It seems to me that there are two sides to this.
The legal coverage, that you definitely want to cover since many people decide when they mess things up, someone else should pay for it. It won't stop them from suing but it should get things cleared up as quickly as possible.
The moral coverage, so that you can look yourself in the mirror if you hear that they got seriously hurt and you made a good effort to explain the dangers and THEY made the choice to ignore you. A lawyer can comment on how you approach it.
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