The Injury and Insurance Risks of Trampolines
Boing! A day spent leaping, jumping, and tumbling on a trampoline is usually a day well-spent. Trampolines help kids get exercise and fresh air, and the feeling of soaring and twisting through the air is undeniably fun. Many people have trampolines in their backyards, while parks, like Largo’s Airheads or Sky Zone in Tampa, have become increasingly popular. However, when it comes to injuries and insurance issues, trampolines and trampolines parks can present huge challenges.
Trampoline injuries are actually incredibly common. Between 2001 and 2011, 1 million people went to the emergency room after trampoline accidents. Broken bones were often the cause, and the most commonly broken bones include the forearm and the fibula and tibia in the lower leg. Other injuries can include concussions, other types of head trauma, and spine or neck injuries, which can cause paralysis.
95% of trampoline injuries occurred at home, but trampolines parks aren’t without risks, either. 9% of injuries at trampoline parks require hospitalization, and park injuries are more likely to involve a dislocation. However, they do have a lower number of head and spinal injuries than home trampolines do.
While younger children may seem like the prime fans of trampolines, teenagers were actually the most likely to suffer injuries. This is likely because they can jump higher than a young child, therefore landing with a much harder force. Teenagers are also more likely to try risky moves, like flips.
To prevent injuries, follow these rules:
- Children under the age of 5 should not be allowed on a trampoline
- Do not allow more than one person to jump at a time
- Provide supervision at all times, especially for younger children
- Do not leave ladders or chairs near the trampoline, because children could use them to climb on unsupervised
- Place the trampoline away from trees, buildings, or other play equipment
- Make sure there is shock-absorbing ground below the trampoline – this includes sand or bark
The second issue with home trampolines is insurance. As you saw above, they are associated with a range of injuries, and this means that your insurance company might not be thrilled if you buy a trampoline.
Your insurance policy will likely approach a trampoline in one of three ways:
- It will not place any restrictions on trampolines, and will help pay the costs if an injury occurs when the trampoline is in used
- Your policy will cover the trampoline, but only if you take certain safety measures, like putting up a net
- It will exclude trampolines completely, and might even prohibit you from renewing your policy if you own a trampoline
Before making the big purchase of a trampoline, it’s important to make sure it won’t interfere with your insurance policy.
Some people may choose the route of simply not informing their insurance company about their trampoline purchase. However, in the event that an injury occurs on the trampoline, this decision could cause big problems.
Trampolines may seem like toys, but they are dangerous and a big investment! Before giving in to your kid’s begging to get a trampoline, consider the statistics and insurance consequences.
The attorneys at Perenich, Caulfield, Avril & Noyes represent those involved in car accidents, motorcycle accidents, bicycle accidents, pedestrian accidents, and other types of personal injury matters. Our firm is one of the oldest personal injury law firms in Tampa Bay. There are no attorneys’ fees or costs unless we prevail for you. Call our office 24 hours a day at 727-796-8282 or simply click here to schedule a free case consultation.