Am I Liable for My Child’s Lemonade Stand?

We all love seeing a cheerful kiddo, sitting behind a lemonade stand at the end of their driveway. Their legs dangling from the chair and bobbing back and forth expectantly, awaiting their next customer. It’s precious, yes?

Well, as cute as it is to see a (or your) little one embarking on an entrepreneurial pursuit of lemonade, brownies, or some other sweet treat – it may be wise to remember that there could potentially be liability, and insurance needed for this small business!

First up, we have possible bodily injury. Damage could occur to someone’s health because they didn’t bake the brownie all the way through, glass chipped off the pitcher and ended up in someone’s refreshing cup of lemonade, or maybe the kid forgot to wash their hands! From food poisoning to a cut, you could become liable for what your kid inflicts on another person.

However, if someone simply comes down with a communicable disease (cold, flu, Covid, etc.) you and the vendor are not held responsible. 

Then we have property damage. This is the much less likely issue to come up from a driveway business, but it’s not impossible! If the mini salesperson got creative with their marketing and decided to make a sign that was somewhat affixed to their table, it blows away towards a neighbor’s home, and breaks a car windshield or house window, then there is property damage. 

Now before you get all worried about letting your child run their own little business, just remember that this would most likely be covered by your homeowner’s policy! Phew! That was a close one, wasn’t it? 

If you have any other questions about niche insurance needs, feel free to drop a comment below.

Article written by contract writer and digital media coordinator: Candace Cox. You can reach her at socials@howardwebbins.com or candacecox96@gmail.com.

Candace Cox
Contract Writer &
Digital Media Coordinator