Yes, the liability is horrendous, and the insurance so expensive little guys can't even think about it.
My brother told me the small town all volunteer fire department bought a Bouncy Castle, one of the blow up things for kids to jump around in, to use at their annual fund raising carnival. The company that insures the town yelled whoa, full stop, if they used the Castle the company would cancel the towns policy.
A separate policy for the Castle would be $10k for the 10 days of the carnival.
