I don't really know about the whole insurance thing, there's one of those signs that says the BO isn't liable for injury/death/stolen belongings etc. So does that mean she and her worker are not liable for anything? Something else to talk to her about anyway.
Signs and waivers cannot, and do not, prevent lawsuits and judgements in liability against companies, businesses and/or the general public. While they may help a case by stating that the 'wronged' party knew the inherent risks, and chose to participate/continue farther in the endeavor anyway, they do not negate negligent behavior.
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