Posted By:
JKYes you could be liable, yes you should have a fence (at least 6 ft IMO) and yes, you should have insurance. I completely disagree with Frank's implicit suggestion that you should avoid insurance because it increases the chance you will be sued. If you dont tell anyone how much insurance you are carrying, that fact will play no role in any decision to sue you. In most states, the jury isnt even allowed to hear evidence concerning whether you are insured or not or the amount of your insurance.