Lazy
That's why I looked at a platform with strap in seats rather than a wagon that could tip. But here's my philosophy: screw lawyers. They aren't going to dictate how I raise my kids and prevent them from having some fun and memories they'll keep for a lifetime. Your message is well taken and obviously I'd take every precaution imagineable. But my childhood would have been a whole heck of a lot less enjoyable had I not gone on hayrides, ridden in my uncles pickup bed to our fishing hole, climbed my grandfathers apple tree and dove off the boat on a misty morning to take my bath. As far as insurance, yeah, I have a lot. I mean a lot, because while I may despise lawyers, like a loaded gun I have a healthy respect for them.