[Jason Lee Nye]

I am not an attorney but depending on the age the child is without fault PERIOD. I suppose they coudl file a claim against your Medpay on your policy if you carry it. As for the state requiring it and if you didn't have the heat shield on you might open yourself up or invite a lawsuit.

How long does it take the pipes to cool down? You might want to put up cones or not allow people until they cool down as a precaution.

Also depends on the state this would happen in. That is why you have insurance. If you pay on time I wouldn't worry and let the insruance company defend or settle the kids barb b q'd arm, hand or leg.

Just do what is reasonable or what you feel you should do to prevent such an accident and you should be ok.