Definition of liability, personal exposures

acts or omissions that result in suits against an individual and/or residents of the individual's household for actual or imagined bodily injury and/or property damage to a third party. Exposures include:

1. ownership, use, and possession of property concerning: (a) trespass -the obligation is not to render property safe for a trespasser, but one cannot create a death trap or maintain an attractive nuisance, such as a swimming pool, without proper safeguards; (b) licensee-the obligation is not to render property safe for a licensee but to provide adequate warning of any hidden dangers such as quicksand at the side of an approach road; (c) invitation- the obligation is to render the property safe for an invitee's visit. For example, if someone trips on a throw rug, the owner or occupier of the premises can be held liable.
2. ownership, use, and possession of a motorized vehicle on or off premises.
3. involvement in sports.
4. actions of pets.