I was looking at equipment on ebay and I downloaded an operators manual and I came across the following paragraph.

At all times you will have and maintain insurance in such
quantities and types, and with coverage sufficient and
appropriate to defend and to hold (name of manufacturer here) harmless in
the event of any cause of action arising from the use of the

I know the world is becoming a very litigious place but this is the first time I've seen a requirement for the end user to carry sufficient insurance to protect the manufacturer from liability. Somebody must have let the legal department play in the owner's manual file.