Glenn Martin DDS

 

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Relevant Stats on Vacation and Investment Properties: “Airbnb has over 7 million active listings in over 220 countries...394 million ‘nights and experiences’ were booked on Airbnb around the world in 2022. Airbnb has had over 1.5 billion guest arrivals since it started in 2007….typical host in the U.S. earns $14,000 per year from Airbnb…” (https://www.rubyhome.com/blog/airbnb-stats/)

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Relevant Coverage: 
a. Personal Property Coverage relevant to toys

b. Liability Coverage relevant to use of toys on habitational and commercial properties: 

 “Parents liable when they relinquish control of dangerous things or animals to a child

When a parent gives an air gun or high-powered rifle to a child, the parent would be held liable for any injury or damage caused. If steve and Cora's ten year old son, Jimmy, was permitted to take their pet cheetah, fluffy for walks (on a leash, of course) and Fluffy was to cause injury to a passer- by, Jimmy's parents would be financially responsible for all such injuries caused.

iii) The injury or damage was caused by a child acting on the authority of the parent(S);

Examples of situations imposing financial responsibility upon the parents would include injury or damage caused to others when the child is directed by the parent(S) to:

A) Cut the Lawn;

b) Remove the snow;

c) Paint exterior of the dwelling or outbuilding

Parents liable for damages when child acts under their direction or Authority

Last Saturday, Bert instructed his son Benji to paint their backyard fence. Upon his return from the golf course, Bert was distressed to find that Benjii had sprayed paint all over the side of the neigbours dwelling. The Butler's would be financially responsible for the damages caused through Benji's Negligence

v) The Injury or damage arose out of the duties of employment in the parent's business.

When parents employ their children in their business, they shall be responsible for any injury or damage caused to others arising out of such employment.

Parents liable for Injury or damage which arises out of a child's employment in their parent's business.

A neighbour of the Butler's has a landscaping business. His 13-year-old son works with him on weekends. Last weekend, the boy lost control of the wheel loader he was operating and before it could be stopped, two newly planted spruce trees had been destroyed and a corner of customer's dwelling severely damaged. The boy's father would be financially responsible for all the damage caused.

Parents liable when they relinquish control of dangerous things or animals to a child

When a parent gives an air gun or high-powered rifle to a child, the parent would be held liable for any injury or damage caused. If steve and Cora's ten year old son, Jimmy, was permitted to take their pet cheetah, fluffy for walks (on a leash, of course) and Fluffy was to cause injury to a passer- by, Jimmy's parents would be financially responsible for all such injuries caused.

iii) The injury or damage was caused by a child acting on the authority of the parent(S);

Examples of situations imposing financial responsibility upon the parents would include injury or damage caused to others when the child is directed by the parent(S) to:

A) Cut the Lawn;

b) Remove the snow;

c) Paint exterior of the dwelling or outbuilding

Parents liable for damages when child acts under their direction or Authority

Last Saturday, Bert instructed his son Benji to paint their backyard fence. Upon his return from the golf course, Bert was distressed to find that Benjii had sprayed paint all over the side of the neigbours dwelling. The Butler's would be financially responsible for the damages caused through Benji's Negligence

v) The Injury or damage arose out of the duties of employment in the parent's business.

When parents employ their children in their business, they shall be responsible for any injury or damage caused to others arising out of such employment.

Parents liable for Injury or damage which arises out of a child's employment in their parent's business.

A neighbour of the Butler's has a landscaping business. His 13-year-old son works with him on weekends. Last weekend, the boy lost control of the wheel loader he was operating and before it could be stopped, two newly planted spruce trees had been destroyed and a corner of customer's dwelling severely damaged. The boy's father would be financially responsible for all the damage caused.

Parents liable when they relinquish control of dangerous things or animals to a child

When a parent gives an air gun or high-powered rifle to a child, the parent would be held liable for any injury or damage caused. If steve and Cora's ten year old son, Jimmy, was permitted to take their pet cheetah, fluffy for walks (on a leash, of course) and Fluffy was to cause injury to a passer- by, Jimmy's parents would be financially responsible for all such injuries caused...” (RIBO)

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Relevant Coverage: 
A. Auto Insurance - Comprehensive (All perils) 
B. Liability Insurance 
C. Travel and Health Coverage 
D. Life Insurance
E. Life Jacket, panic button, anti-drowning bracelet, GPS Tracker
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