supervision is on the parents, but if they are injured using your equipment it'll be your insurance that pays...them running out into the middle of the street though....that's on the parents.


other things could be argued....like if mom let tot climb bookshelves and he fell...that might be mom's responsibility....but if the bookshelves weren't attached to the wall and fell on tot, then that could go back to being your problem. All of this is generally speaking and will vary greatly by state.

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