A property owner is generally liable for the safety of all persons who are invited onto the property. According to this definition, a property owner can't be held liable if a trespasser is injured. One important exception to this rule concerns trespassing children. An owner can be held liable for any injuries to a trespassing child, particularly if it can be shown that there was something on the grounds that may have attracted the child to trespass, for example a garden swing or swimming pool. In such cases, the owner can be held liable if reasonable precautions aren't taken to prevent an accident. Generally speaking, it's a property owner's responsibility to provide adequate warning of any potential dangers and to take all reasonable measures to prevent accidents. However, trespassers can't expect the same degree of protection as legitimate visitors to the home or property. Home and business owners often carry special liability insurance to protect themselves in the event an accident occurs. For a homeowner, coverage is normally $100,000 (one hundred thousand dollars), but some policyholders choose to increase this amount. Business owners often have considerably greater coverage.
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