Though trampolines are a popular toy among young children, they are also dangerous enough to raise red flags for many insurance providers. In 2010, trampoline injuries resulted in over 92,000 trips to emergency rooms. 40 percent of these injuries involved strains and sprains, 30 percent involved fractures, 13 percent involved lacerations and 11 percent involved more serious injuries. It’s easy to bruise or break a bone from an improper landing, but the most common injury occurs when two people collide midair.
Because of the very high risk for injury, some insurance providers will not offer coverage to homes with trampolines, while others require you to take certain safety measures for continued coverage. Your agent can help you determine if you need to take any steps before and/or after purchasing a trampoline. It’s important that your agent knows about your trampoline because if you file a claim for an injury sustained and your insurance provider did not know about your trampoline, that provider has the right to deny your claim.
Despite the dangers of trampolines, there are safety precautions you can take to reduce the risk of injury:
· Always supervise children while on a trampoline
· Prevent children and pets from going underneath a trampoline while in use
· Do not allow roughhousing or flips
· One jumper at a time is the safest way to use a trampoline
· Children under age 6 should not jump on a full-size trampoline
· All springs and hooks should be covered with padding
· Use net enclosures to prevent falls from atop the trampoline
Purchasing a personal liability umbrella policy will give you additional protection for claims that exceed the liability limits on your Michigan homeowners insurance. These umbrella policies can be bought in $1 million increments. Your agent can help you determine the right amount for your needs.
Trampolines are fun toys that have the potential to cause large amounts of financial liability. Call Insurance Planning Service at 800-220-5582 for more information on homeowners insurance.