It's not just law suits, it's the unintended consequence of the insurance industry. Follow: If you cause me material harm, through action or negligent inaction, I can expect you to "make me whole" and use the courts to enforce that expectation. Reasonable. You would be wise to carry liability insurance so that such a situation does not ruin you financially. Since you might be unable to make me whole without said insurance, in some situations (such as while driving a car or operating many sorts of businesses) you are required to carry liability insurance in order to assure my ability to recover reasonable and legitimate damages. Seems reasonable, but... The insurance company now has you over a barrel. They sell a product that you are required to buy, no matter how costly or how many stupid behaviors they impose on you in order to reduce potential payouts. I was in a hotel swimming pool once - many years ago - and we were all required to get out when there was any detectable thunder. The thing is, it was an indoor pool, under a heavy steel framed glass dome. We were in a Faraday cage, and quite safe. And it was not the hotel that was afraid of being sued, it was the hotel's insurance company that imposed this stupidity. The hotel would be willing to take the less-than-one-in-a-million risk in order to avoid annoying their customers. But the hotel's guests are not the insurance company's customers so inconveniencing us wasn't their problem; they required the hotel to impose this stupidity or face having their coverage dropped or premium outrageously increased. So, part of it is that, now and then, a court awards someone damages for what was really the fault of their own idiocy. And sometimes the win is only partial because the harm was only partially the idiot's own fault*. (We hear about those; the thousands more that don't win money don't get on the news.) But then the insurance companies come in and require the businesses to cover their products with warnings not to be this kind of idiot or that kind of idiot or any other kind of idiot that ever won any money. * The famous McDonald's hot coffee suit, for example, was only partly a matter of the customer's stupidity. It was also that case that the coffee was excessively hot and McDonald's had been warned repeatedly by customers that the coffee was burning them, though usually in more reasonable places like lips and tongues. So when their continued failure to fix the situation contributed (along with her own stupid actions) to a customer's serious burns they were found partially liable for the damage. (The famous $2M award was reduced on appeal because McDonald's's liability was only partial.) OK, all that said, McDonald's responded by backing off the dangerously high temperature of their coffee. But I will bet you dollars to doughnuts that it was the insurance company that required McDonald's to write "Caution: Hot" on a cup of hot coffee.