Thanks for the responses. Reason I posted is because we are brining three of my 15 year old sons friends down with us next summer. I never gave it much thought when we had entire families with us in the past, but being responsible for three other kids safety makes me think a bit more. As I said, I wouldn't so this unless I felt it was perfectly safe, but at the same time I do make sure I have car insurance when I don't expect I'll get in an accident and home owners insurance even though I don't expect my house to burn down. I think I'll check up on my umbrella policy and see what It covers.

Matt