Originally Posted by sahm1225:
If I hire a person dressed As santa to come to my house for a party, if there's an inhury (say, santa falls), does my insurance over it or do they have to have their own insurance?
Your homeowners insurance may or may not cover you in this situation since it's a business activity. Ask your insurance agent and get his answer in writing. In most cases, you'll need business liability insurance to protect you.