When a Lemonade Stand Turns Into a Lawsuit

It starts with a summer classic: kids setting up a lemonade stand at the end of the driveway. But what happens if the lemonade makes someone sick—or worse, causes an injury? Suddenly, fun and entrepreneurship can turn into medical bills, lawsuits, and big insurance questions.

In this episode of Is It Covered?, hosts Bruce and Brian Chapman break down a real-world scenario where a child’s lemonade stand leads to potential liability claims. From homeowners coverage to the fine line between “just for fun” and “running a business,” we dig into how policies respond when things go wrong.

✓ How homeowners or renters insurance can cover kids’ activities
✓ Why liability protection matters, even for something as small as a lemonade stand
✓ When a side hustle crosses into “business” territory—and what that means for coverage

Whether you’re a parent, homeowner, or insurance pro, this episode highlights how everyday activities can carry unexpected risks—and why the right coverage makes all the difference.

🎧 Listen now—and learn where summer fun meets insurance liability.

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