If a minor comes onto your property even tho you've told him and his parents he is not allowed to be over here and have explained to them u have NO liability insurance to cover someone hurt on your property. If for instance your grandson who is visiting u for the summer lets him come over and help him do yard work, if he's injured while here. Are we liable for those injuries? Ie snake bite, cut or injury, nail in foot etc. please I used to be an insurance adjustor and saw many things like this and I have no liability insurance. I need to know how to protect myself.