Ask agent about insurance for party attractions

We’re having a party for my kid’s birthday, and she wants a bounce house and other outside attractions in our yard. I am concerned with my liability if someone gets injured at the party. What are my rights?

You, as the homeowner and the party-giver, have the responsibility to act in a reasonably prudent way, considering the circumstances. This means if a child is hurt as an accident not caused by negligence, you should be clear of any liability for the injuries.

Attractions like bounce houses and trampolines have some inherent danger, so you should carefully manage the children and restrict how many play at one time. Also, ensure the attraction is properly set up and secured to the ground. Read and follow the warnings from the manufacturer and rent from a reputable dealer to make sure the equipment is properly cared for.

Even if you are careful, but a child is still injured, you will likely be sued. While there is a big difference between just being sued and losing a lawsuit, either can be expensive.

Check your homeowner’s insurance for this type of coverage and consider purchasing an umbrella policy for additional, inexpensive coverage. Speak to your agent if you are unsure about what your policy covers.

It is also important that you don’t let your concern about being sued stop you from enjoying your life and property. There are millions of incident- free backyard parties every year. While it’s great that you’re aware of the potential issue, use this concern to take reasonable precautions for the safety of your guests and make it a great, and safe, party for your little one.