Trampolines, pools, and skateboard ramps are the three things that can create a summer of endless fun for children and teens. However, they can also be extremely dangerous, leaving unsuspecting homeowners exposed to liability claims.
Most recreational objects, such as trampolines, pools, diving boards, playground equipment, tree houses, and skateboard ramps, are what the insurance industry calls “attractive nuisances.” An attractive nuisance is a fun, or otherwise attractive object or structure that has the potential to be very dangerous, especially to kids.
Although a standard homeowners insurance policy will provide liability protection to cover the legal and medical costs of someone who is injured on your property, there may be exclusions and limitations for attractive nuisances.
Trampolines, swimming pools with slides and diving boards, and skateboard ramps and half pipes all pose a significant risk to homeowners and their insurance companies. Here are a few facts and statistics as to why:
- In 2014, the U.S. Consumer Product Safety Commission (CPSC) estimated that there were 104,691 people treated in hospital emergency rooms for trampoline-related injuries.
- The CPSC knows of 22 deaths resulting from trampoline incidents within a 10-year period from 2000 to 2009.
- In 2013, the National Safety Council reported that there were 184,190 swimming injuries treated in hospital emergency rooms, including those injuries resulting from using slides and diving boards.
- In 2012, the CPSC found that there were 364 fatal child drownings in pools and spas involving children younger than 15, with 279 fatal drownings involving children under 5.
- In 2013, the NSC found that 120,424 people were treated in hospital emergency rooms after being injured while skateboarding.
- The American Academy of Pediatrics (AAP) recommends the use of designated skate parks over home-made ramps and jumps, as these parks are more likely to be monitored for safety.
If you have a trampoline, pool, or skateboard ramp, check with your independent agent to see if your homeowners insurance policy specifically excludes liability coverage for resulting injuries or deaths. To review your existing coverage, contact McGrath Insurance Group at 800-342-6850 or www.mcgrathinsurance.com.
*This article is for informational purposes only and should not be construed as providing legal advice.