It looks like so much fun… a big inflated house or castle filled with kids jumping, flipping and bouncing of walls, having a blast. That is until an accident or injury. Bounce houses are notorious for bloody noses, broken bones and sprains, and head traumas at a staggering 11,000 injuries per year. So you may want to think twice before purchasing or renting an inflatable for your next birthday party or summer barbeque, and at the very least, talk to your insurance professional, first, to make sure your homeowners insurance will cover any mishaps.
Renting a bounce house from a professional company is always recommended over purchasing and setting up your own. Always make sure that the rental company is bonded and insured. Obtain a certificate of insurance ahead of time naming you as the certificate holder. Make sure to request a trained operator and ask to see the inflatable’s inspection history and the rental company’s safety record. Ask to see the safety manual and make sure the company follows all the safety guidelines during setup. If there is a problem or injury related to the bounce house, the rental company would be held responsible and their commercial liability insurance would provide coverage.
If you decide to purchase or rent a bounce house, here are some safety tips to ensure that everyone has a great time with minimal risks:
The short answer is probably. If a child is injured at your home or in your yard, your homeowners insurance may cover the accident under two sections of your homeowners policy, personal liability and medical payments coverage.
But what if the accident is serious and you reach your policy limits? We suggest you invest in a personal umbrella policy. A personal umbrella policy will give you peace of mind. It is a second layer of liability coverage that will go into effect, if you meet your homeowners insurance limits, to cover the remaining costs. For less than a dollar a day, you can get one million in additional coverage.
It’s a good idea to talk to your insurance agent before renting or purchasing an inflatable bounce house. Your insurance professional will review your current homeowners insurance policy, explain any exposures you may have and answer any questions about your liability insurance coverage. Let the experience agents at Foundation Insurance Group help you select the right coverage for your situation.