Yikes....I'm with your husband. I'm cringing just thinking about what COULD have happened. Just a bit younger and your dck may not have thought to say anything. I'm absolutely astounded (being conservative here) that the mother didn't say something right up front.
I have no idea about insurance covering that. I'd be very surprised if either they won't cover it or at least jack your premiums way up. What about a liability waiver? That might work, but I'd get a lawyer to do it to be sure it will stand up. If something did happen....insurance aside....is that something you think you'd ever recover from....or the other kids watching it unfold? While I feel for the parents of kids with life threatening allergies, I've noted right on my website that I do not accept them. I have 2 epipens on hand anyway, but I'd rather not tempt fate.

































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