Steven and Diane Harper met at an animal rights demonstration in college when Steve was studying to be a veterinarian and Diane was studying business. Today, they are in their mid-30's and run a very successful veterinary clinic. Steve is the veterinarian, Diane is the office manager, and they employ 2 full-time veterinary technicians and 2 part-time administrative staff members. Earlier this year, Steve and Diane bought a small farm with a house, garage, barn, stable, and 50 acres of rolling fields with a creek running through the property about 200 yards from the farmhouse. They are excited because owning and living on the farm will give them the opportunity to raise horses and allow their 3 large dogs to run free when they are outside (the dogs live mainly in the house but enjoy going out for a nice long run through the fields). The Harpers plan to keep 3 to 5 horses on a regular basis and take in rescue horses as needed as well. They have already made arrangements with the local women and childrens shelter, where Diane is on the board of directors, to provide rides for the women and children free of charge on two Saturdays of each month. The Harpers have a BMW that they drive to and from the clinic each day, and they have a Ford F250 pickup truck for use on the farm and for towing the horse trailer. They have a small tractor that they use on the farm as well.

Identify at least 2 loss exposures the Harpers face for each of the following categories:

1) Personal risks

2) Property risks

3) Liability risks

4) Business-related risks