Liability Insurance for Trampoline Parks

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Jake Wintczak

email: jakew@primeis.com

Liability Insurance for Trampoline Parks

Liability Insurance for Trampoline Parks

At a trampoline park, jumping high in the air and getting lots of hang time can be quite the thrill. As an owner, you probably love to see your customers bouncing around, smiling, and having a good time. However, what happens when a customer falls and sprains an ankle? Will a lawsuit be filed against you? Are you prepared for litigation? To keep your business up and running, you’re going to want customized liability insurance for trampoline parks so you can be worry-free.

Trampoline Park Fun Facts

According to the International Association of Trampoline Parks (IATP):

  • There are approximately 800 trampoline parks in the US, 1200 worldwide.
  • There were an estimated 50 million North American visits in the past year to the parks, which are becoming increasingly popular.
  • Currently, the state with the highest volume of trampoline parks is Texas.

Trampoline Park Injury Statistics

  • The most common trampoline injuries in both home trampolines and trampoline parks were sprains and fractures.
  • Sprains are 61% more likely at trampoline parks than at home and dislocations are twice as likely
  • There was an increase from 581 to 6,932 trampoline park injuries over a 5-year period.
  • There were more hospital admissions from the injuries and several cases of spinal cord injuries after doing flips at trampoline parks compared to home trampolines.
  • Children under the age of 6 made up almost half of those with fractures, specifically lower extremity fractures, at the trampoline parks.

What causes injuries and deaths at trampoline parks?

  • Colliding with another person on the trampoline
  • Landing improperly while jumping or doing stunts on the trampoline
  • Falling or jumping off the trampoline
  • Falling on the trampoline springs or frame
  • The most common trampoline injuries in both home trampolines and trampoline parks were sprains and fractures.

Litigation Prevention Tips for Trampoline Park Owners and Operators

Believe it or not, not all signed waivers will keep you in the clear. While customers assume risk by signing the waiver, the business still has the responsibility to do its best to prevent injury and can be held liable if it’s found negligent.

In short, owners can take the following reasonable steps to avoid litigation:

  • Adhere to industry standards
  • Properly maintain trampolines and ensure park safety
  • Make sure customers pay close attention during the safety briefing
  • Clearly post park rules and properly supervise park usage

According to the IATP, just 9 states and 1 county within a 10th state have regulations. Those states are Pennsylvania, Michigan, Arizona, Tennessee, Colorado, Kansas, New Hampshire, Louisiana, Oklahoma and Utah County, Utah. In the absence of state regulation, the IATP recommends that ASTM Standards, which provide specific guidance on the design, manufacturing, installation, operation, maintenance, and inspection be adhered to by all indoor trampoline parks.

The Future of Trampoline Parks

As you may have guessed, trampoline parks are undoubtedly a fun experience with foreseeable growth both nationally and globally. According to ABC News, researchers are concerned that injuries will continue to rise as the popularity grows. The CPSC indicates that trampoline park injury rates are lower or on par with common youth sports such as soccer, basketball, and volleyball and much lower than contact sports such as football or hockey. Although trampoline parks may be considered less dangerous than a lot of youth sports, it’s irrefutable that park owners and operators still take risk running a trampoline park. It only takes one accident for your business to take significant financial damage or worse, closed doors. Don’t take that risk. Let XINSURANCE cover your risks with liability insurance for trampoline parks.

Liability Insurance for Trampoline Parks

Many companies won’t insure trampoline parks because they are considered too risky. Trampoline parks that do have insurance could have that policy dropped, non-renewed, or canceled as soon as an accident or lawsuit occurs. No matter the case may be, be a victim of insufficient coverage. Let XINSURANCE give you the piece of a mind you deserve and be your partner so you can focus on your customers having a great time.

XINSURANCE provides customized coverage as a wholesome policy or we can cover exclusions in your current policy. XINSURANCE’s “All-In-One Approach” allows business owners to have broader coverage, up to $10 million limits with higher limits available through reinsurance partners, flexible underwriting, risk management expertise, extraordinary claims results, and our partnership approach.

Contact

If you have any questions, please contact Logan Fitzgerald at 801-884-5562 or loganf@xinsurance.com

If you’d like to request a quote, please go to our website.

We received most of this information from IATP, you can learn more about the organization, here.

Thank you!

PS – we are looking forward to IATP’s 6th Annual Conference & Trade Show in Ft. Lauderdale, FL this September 16-18, 2018. We will be at booth #412 so be sure to stop by, say hi, and ask us some questions!

Rick J. Lindsey
Rick Lindsey

President, CEO and Chairman

rjl@primeis.com