Am I liable if a trick or treater falls on my property?

Whether you are liable if a trick-or-treater falls on your property and the insurance coverage that may apply can vary depending on several factors, including the circumstances of the fall and your homeowner's insurance policy. Here are some key points to consider: Premises Liability: Homeowners can be held liable for injuries that occur on their property if they are found to be negligent in maintaining a safe environment. This is known as premises liability. If a trick-or-treater falls on your property due to a hazard [...]