Why You Need an Umbrella Policy if You Own a Trampoline
You should have a personal umbrella policy if you own a trampoline to prevent yourself from enduring severe liability. Sprains, fractures, concussions, and even spinal cord injuries are among the potential dangers of trampolines, particularly when used unsupervised, recklessly, or with multiple users attempting stunts beyond one’s skill level.
If someone decides to sue you for damages, you may need a personal umbrella policy. Therefore, we’ll discuss a personal umbrella policy, answer common questions about owning a trampoline, and explain why having full umbrella insurance is essential for trampoline owners.
Do Homeowner Insurance Policies Cover Trampolines?
- No Exclusions: Some policies do not have exclusions for trampolines, meaning your homeowners’ insurance coverage will likely apply in case of a trampoline-related incident
- Coverage Under Specific Circumstances: Homeowners may face a requirement to take certain precautions to ensure coverage. These may include installing a high fence around the trampoline or using soft materials like mulch or sand as a protective surface.
- No Coverage: Due to the higher risk associated with trampolines, some providers explicitly exclude coverage and include this information in your policy.
If your policy does not cover trampolines or has limitations, consider purchasing a separate endorsement or a personal umbrella policy to extend your liability coverage.
What Is Personal Umbrella Policy?
A personal umbrella policy offers higher liability coverage limits than what your underlying homeowners’ insurance policy provides. Therefore, you may be legally liable for causing injury to someone, and if the liability costs exceed the limits of your primary insurance, the personal umbrella policy steps in to provide additional coverage.
How Can Homeowners Avoid Trampoline Claims?
You cannot completely eliminate the risk of trampoline-related claims. Thus, homeowners can take certain precautions to minimize the likelihood of incidents. Here are some steps to consider:
- Install safety netting: Erecting protective netting around the trampoline can reduce the risk of someone accidentally falling off and getting injured.
- Proper placement: Position the trampoline in an open area away from concrete surfaces, fences, or other structures to avoid collisions and potential damage.
- Wear appropriate footwear: Encourage users to wear suitable athletic shoes while on the trampoline to improve grip and reduce the risk of slipping.
- Age-appropriate usage: Young children are more prone to injuries on trampolines. Limiting trampoline usage to older children and adults who can better understand and follow safety guidelines is advisable.
Should I Let My Insurance Provider Know If I Get a Trampoline?
Yes, home insurance policies often have specific guidelines or exclusions regarding trampolines, and failure to disclose this information could lead to policy cancellation or non-renewal. Moreover, if someone sues you for damages, they would likely hold you responsible for the amount liable.
About Daniels Insurance, Inc.
At Daniels Insurance, Inc., we have a unique understanding of the risks that businesses like yours face on a regular basis. With the backing of our comprehensive coverages and our dedication to customer service and quick claims resolution, your business will be fully protected. For more information, contact us today at (855) 565-7616.