out of copyright (called public domain in the USA), hence royalty-free stock image for all purposes usage credit requested Please do not redistribute without permission, since running this site is expensive.
The front cover of the 1916 Chatterbox annual features a picture of a crafty boy using an umbrella to shield himself from snowballs thrown at him by other children. There is also a higher resolution (enlarged) version of the snowball fight.
You can get a version of this image without the watermark (the URL at the lower right corner). Download image. The images are watermarked to help people find where they came from if they get reposted to blogs or other sites. Images under 1200 pixels on a side
are still free, although I will ask for a donation :-)