Who is responsible here?

On Thursday my wife was picking our son up from his pre-school. On the sidewalk is a water valve (one of the deals with the round cover about 6 inches in diameter.) The cover is not flush with the concrete, but rather sits about 1 1/2 inches below the sidewalk level. As she was walking the heel of her shoe went down into this, and she fell. Turns out she broke a bone in her hand.

So far she’s been to the ER, and has an appointment with a hand doctor tomorrow, but there will be follow ups. When she went to the ER she used our regular health insurance, and plans to do so with the hand doctor. However, the question then comes up about the deductibles, which are $50 for the ER, and $30 for each hand doctor visit.

The pre-school so far has been less than forthcoming with their insurance info, and are saying that they only lease the property, and that this would fall on the landlord. But they also don’t seem to want to give out his/her contact info.

We are waiting until we have a better list of bills to pursue this further with them. I can see their point, since the landlord would be responsible for maintenance, but at the same time they are the operator of the business. So, who do we go after?