Could your Trampoline Bounce you into a Lawsuit?
Trampoline injuries and your homeowner’s insurance are joined at the hip.
As a homeowner, you might find it tempting to purchase things like a trampoline for your kids to play on. They are a lot of fun and when used correctly are usually pretty harmless. Unfortunately, correct use tends to be forgotten when friends come to play. Should one of those friends get hurt, (regardless of how or why) you, the homeowner, will be left with the financial liability. Consider the short term and long term medical needs, legal fees, pain, and suffering, etc.
Trampoline injury liability doesn’t stop with the resident of the property. What if you own rental property? What if your tenant puts a trampoline up? Any trampoline injury could be your responsibility. Not due to your tenant’s injury, but to one of the tenant’s guests (invited or not).
According to the American Association of Orthopedic Surgeons (AAOS), 246,875 medically treated trampoline injuries occur annually in the U.S. Of this total, 186,405 of these injuries occurred among children aged 14 or younger. About 15% of trampoline injuries involved young children under 6 years old.
Increasing the liability coverage on your New York homeowners insurance policy is something you’ll want to seriously consider. However, many insurance companies will refuse to write a policy altogether if there is a trampoline on the premises. Others will have an exclusion that the insured would sign that releases the carrier from defending against a trampoline injury.
Be certain to review your policy. Call your local professional insurance agent for guidance. If you do not have a local agent, call us. We’ll conduct a complimentary policy review. There is no need to learn what your policy says, after an injury occurs.
Watch the brief video to learn more.
Click here to see the other 99 answers we provided in our 100 Insurance Questions in 100 Days series.
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