I’m writing this article because one of my customers asked me about how insurance companies look at trampolines. Now in the last year, I spoke to a nurse who works in the ER who said that many of the injuries that come into the emergency room have to do with trampoline accidents. I can just imagine that some of these injuries can be quite serious. My recommendation is always talk to your insurance agent before buying a trampoline. Some companies refuse to insure them, while most companies will require that you have a net put around your trampoline. My opinion is that you just have to practice common sense safety.
The first thing you do after you buy a trampoline is sit down with your kids and set some safety rules for the trampoline. Here are some suggestions for rules. Rule number one is to limit jumping to one person at a time. The second rule is to not allow balls or other items on the trampoline to eliminate interference with their jumping. Rule three is no rough housing or clowning around on the trampoline (this will surely be prevented when only allowing one person on the trampoline at a time). The fourth rule is no tricks allowed on the trampoline; for example, no somersaults. Rule five is to secure the net with a lock and to put a “Keep Off” sign on it so that when the family is not home, it is not used. Rule six is to not allow kids under the age of 6 on the trampoline because it is not recommended. The seventh rule, and for me the most important rule, is that no children should be allowed to use the trampoline without strict adult supervision to ensure all the rules are adhered to. After all, wouldn't you feel horrible if a child was injured or worse yet paralyzed on your property because of a poor decision they made while on your trampoline?
Remember kids will be kids, and they have short memories about what they need to do. You can be there to make sure they don’t forget. Besides, who really has the time and energy to deal with a major law suit? Similar to owning a pool, owning a trampoline means you have more responsibility and are assuming more liability. Also keep in mind you would be a great candidate for an umbrella policy or catastrophic liability policy. You can purchase a one million dollar umbrella policy for around $155 to 200. For a little more in price, you can purchase a two million, three million, four million or five million dollar umbrella policy, but be sure to protect yourself. Please call me at 610-889-9300 to discuss further.
Also, you can can search Goggle for more information about trampolines. You will be amazed at what you’ll find on the topic.
Your Agent and Friend
Evans Insurance Services Inc.