“My son had a card game at his home last night. Two young men got into a fist fight. One fell backward over the couch and injured his face. He told my son that he’d better have homeowner’s insurance (he does.) But, is my son liable? or is the one man who punched the other man liable?”
The premises liability insurance may very well exclude intentional wrongful acts. Sure, the actual fighter would be liable for his own actions. However, a theory of liability towards your son could also be developed if he knew he had created a dangerous condition, failed to warn of that condition and the injured peron had no knowledge of the dangerous condition. If the person in the fight had no assets to pursue, I would not be surprised if the injured person came after your son.