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Your insurance guy is giving you the scare tactic (did he also use this as a rationalization for why you should buy more insurance?). Talk to a lawyer instead, specifically one who deals with liability issues. While you can be sued for anything, being held legally liable is a different matter. Re, I can sue you right now because my knee itches, but I'd have a heck of a time getting a court to agree with the notion that you're financially liable for my knee itching. Ok, there is the matter of types of tresspass. There are three basic types; invitees, licensees, and trespasser. The first, invitees are customers and general business guests. You are required to take reasonable efforts to seek out and remedy dangers for them. Classic examples would be keeping ice off the sidewalks. A person who slips and falls on sidewalk ice could hold you liable for their injury. This is the one that regularly gets business owners in trouble. You must be diligent in keeping their access safe, and limited. The second, licensees are people like meter readers. There is an acceptance of some risk on their part, but you are still required to keep things reasonable safe for them. You can't put a piece of weak plywood across an open well for example The third is trespasser, which is what these kids are. This is a person who has no legal right to be on the property. Now as a business, you've got a problem seperating this from invitees, but you can do so well enough with a fence and signs saying something like "no customers allowed beyond this point". You also *must* start keeping a written log of activities, including police calls. As in you must note when the kids show up, that you did tell them they are trespassing and must leave, that you did report it to the police, etc. These things will go a long way to protecting you in a lawsuit by their parents. While you will always be liable for keeping ice off the sidewalks and parking lot of your business, you have much less responsibility for keeping the ice off the piles of equipment you keep behind locked gates with do not tresspass signs on them. Lastly, there is the matter of an attractive nuisance. Be aware of this counter argument being raised. It varies in strength. If you have a swimming pool in the middle of the shop yard, that can be considered an attractive nuisance, increasing your liability for the kids hurting themselves *getting to the swimming pool*. It does not increase your liability for them simply climbing on your equipment incidentally, when not engaged in getting to the swimming pool. Be very carefull with the notion of using dogs to protect your property. It is presumed that guard dogs are vicious, so if your dog bites one of these kids, or causes the kid to be injured while attempting to escape the dog, your liability is significantly increased. A pet dog is different. Guard dogs usually raise the stakes against you, the business owner. Best of luck to you.
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