You can't. You can only protect yourself with insurance. Here's why: you can only be held liable if someone can prove that you were negligent, meaning that you failed to act as a resonable person under the circumstances. If a child is injured on your property, that does not automatically make you liable. But: someone can always claim that you were negligent whether you were or not. So: make sure you have liability insurance. That will cover both claims that you are legally obligated to pay, and defense of negligence actions against you (the insurance company hires and pays a lawyer for you). I also recommend that you check with your insurance agent that you have a medical payments provision of your liabilty policy (referred to as "med pay" for short). This will pay for the medical expenses of someone injured on your property whether it was your fault or not, up to a certain amount. That way, if there is an injury, the parent may be satisfied just with the bills being paid and let it go at that.
Answered on Sep 24th, 2012 at 1:31 PM