Being in the risk mitigation business for almost 20 years, my opinion has changed a lot over the years. A lot can go wrong when you start talking kids, friends, lake, dads boat, no parents.

I was a kid allowed to use my parents stuff (cars, truck, boat) when I was young, but was scared shitless to ever let anything happen as I had plenty of ass beatings growing up and a lot of respect for how hard my parents worked for those things. So never had an issue with this type of thing. But at that same time, my brothers were not of the same opinion and had some pretty significant incidents over the years using my parents stuff that caused them a lot (like a lot) of grief and liability.

Only you know your kids and their friends.


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