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 that you were aware of or should have been aware of and failed to address, you may be held responsible for their injuries.

Trespassing vs. Invited Guests: The legal status of the person on your property is important. If a trick-or-treater is on your property with your consent (i.e., you are actively participating in trick-or-treating and have welcomed them onto your property), you may have a greater duty to ensure their safety. However, if someone is on your property without your permission, the level of responsibility may be different.

Homeowner’s Insurance: Most homeowner’s insurance policies include liability coverage that can help protect you in situations where someone is injured on your property. This coverage may extend to injuries that occur on Halloween if they are the result of negligence on your part.

Insurance Policy Limits: It’s crucial to check the limits of liability coverage in your homeowner’s insurance policy. The policy will have a maximum amount it will pay for injuries or damages resulting from a liability claim. If the claim exceeds this limit, you may be personally responsible for the additional costs.

Reporting Incidents: If an accident or fall occurs on your property, it’s essential to report it to your insurance company promptly. They can advise you on how to proceed and may provide legal representation if necessary.

Prevention: To minimize the risk of injuries on your property, take preventive measures. Ensure your walkways are well-lit, clear of obstacles, and in good repair. Address any hazards, such as loose steps or uneven pavement, before Halloween. Being proactive about safety can help reduce the likelihood of accidents.

In summary, your liability and insurance coverage regarding a trick-or-treater’s fall on your property depend on the specific circumstances, your homeowner’s insurance policy, and whether negligence on your part is a contributing factor. It’s advisable to consult with your insurance provider to understand your coverage and responsibilities and to take precautions to maintain a safe environment on Halloween and throughout the year.