&gt; Liability insurance won&#x27;t save your life if you get hit by a few hundred pounds of tree.<p>It will give my family the money they need to bury me.  It will give my dependents a bit of the money I would have given them across the rest of my life.<p>&gt; If you want to use an old tree-swing the onus is on you, the user to make sure that it is safe because if it isn&#x27;t you pay the price.<p>Not if someone has charged me for access to the swing.  It&#x27;s the commercial activity that has caused the extra attention here.