Liability and Insurance Coverage for Damage Caused by Children: An Overview

The five-year-old rips the expensive progressive glasses off her grandma’s head while she’s playing and the glasses break. Cell phones of visitors to the apartment fall victim to children running around, and the coffee table is hit during a ball game. The damage can quickly reach four figures. But who is liable for the damage caused by the child, and what should you take into account when it comes to insurance coverage? An overview: