A person or persons causing injury, loss of livlihood or other damage must compensate for their negligence.
Most of us have insurance to cover compensation in case of damage or injury to another.


Personal damage and injury coverage is 2million on my property.
Here in Canada, as well as U.S., a home-owner is responsible for keeping the sidewalk in front of his property clear of obstruction or ice/snow, for injury to those needing access to the property, such as telephone/cable repairmen, and for anyone legitimately seeking access to property and house.