Have you ever been to a bounce house? If so, you know that they are a ton of fun! But they can turn into a disaster very quickly if you’re not careful.
Study from the Center for Injury Research and Policy has found that there has been a 15-fold increase in the number of children involved in inflatable bouncer-related injuries from 1990 to 2010. That study found that over 64,000 children and teens were treated for sprains, fractures, spine injuries, and other injuries. Falls were the most common injury. Falls were followed up by collisions and stunts. If you do the math, that means more than 30 kids per day are getting injured on these things! ABC News wrote an insightful article about them also!
Wow, that’s pretty scary. How does my home insurance play into this?
Homeowners insurance policies typically don’t exclude bounce houses from coverage. What that means to you as a homeowner is that if someone were to be injured on your property, you would probably be held liabile for any injuries or damages caused to someone as a result of the bounce house.
If a child was injured on your property as a result of a bounce house, your home insurance could protect you from a lawsuit in a couple of different ways:
- Medical payments: If a guest were injured, the policy would usually pay from $1,000 to $5,000 worth of medical expenses. If your child were injured, your health insurance would be responsible.
- Liability coverage: If a family sued you as a result of an injury, your liability coverage will offer financial protection. Most home policies have at least $300,000, but there are some policies that have as low as $100,000.
If you didn't have enough insurance coverage, you could subject to a lawsuit.
What are some steps to make it safer?
There are several ways to make a bounce house safer for the children and for your financial assets…
1. Only allow children over the age of six.
Children under six aren’t as skilled with the skills of running, hopping, skipping, jumping, and balance.
2. Always have adult supervision.
Having an adult to help kids get in and out of the device as well as reminding them to not wrestle, flip, or roughhouse in or off of the device. And you should also post these rules!
3. Follow the weight and size limits and other manual guidelines, like number of children recommended in the bounce house.
4. Match them up.
If you do choosse to allow more than one kid in the bounce house at a time, make sure that they are children of similar ages and sizes.
Look into the rental company and ask about the inspection history. Also, request to have a trained expert help you.