如果在家组织party方存在negligence, 则需组织方负责。
What is Negligence?
To be legally liable for injury or damage, you have to be found negligent. Negligence is a very complex subject. There are entire books written about the subject. But at its most simple, negligence requires 4 things:
- A duty of reasonable care – for example to keep your steps in good condition.
- A breach of that duty – e.g. leaving your child’s tennis ball on the stairs.
- Harm – injury to a person or damage to property – e.g. your guest, a Division I scholarship pitcher, falls down the stairs and breaks his pitching arm.
- Proximate cause – e.g. the ball caused the guest to fall, which caused the injury.
举的例子是：
Someone is Injured at Your Home
You hold a high degree of care to people you invite onto your premises. If you host a party for your son’s baseball team, you could be considered liable if:
- someone twists their ankle in a hole in your yard;
- someone slips on water in your kitchen;
- your deck collapses when people are on it;
- someone is injured when horsing around the deck of your pool.
那么楼下开爬梯的帖子里，手机坏了这事儿到底谁赔：
10岁左右孩子之间的打闹造成了某个参加party孩子的财务损失。10岁的孩子没有民事和刑事责任能力，需要大人监管。组织方放任孩子互相推对方入水没有制止(组织方自己孩子是始作俑者，不知道这点是否增加组织方责任)，造成一个无辜的孩子财产损失。个人觉得组织方有negligence存在，并且造成了harm.
一般Homeowner insurance这种情况应该会赔。Homeowners, Condo or Renters Insurance – If you’re negligent, the liability section of your policy would pay damages to people who are injured, along with any legal expenses to defend you.
估计：那个手机被搞坏的男生家里，是直接找party家赔的，party家不愿意，要求楼下贴楼主的女儿赔。但从法律上说，应该就是开party那家赔？
结论：家里开Party招一群半大孩子一起疯，尤其在游泳池附近疯，真不是个好主意。开party还是去party服务业吧，不论他们签怎样的party liability waiver, 啥事儿也都和开party的家无关。
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