Check insurance before booking a bounce house

Precautions and prudence are key to staying liability free.

Q: We are having a party for my kid’s birthday and she wants it with a bounce house and other outside attractions in our backyard. I am concerned with my liability if someone gets injured at the party. What are my rights? – Amanda A: You are rightfully concerned about this because you may be sued if someone gets injured on your property. The suit will likely accuse you of being negligent in your duties to keep your property safe. You, as homeowner andparty-giver, have the responsibility to act in a reasonably prudent way, considering the circumstances. This means that if a child is hurt as a pure accident not caused by negligence, you should be clear of liability. 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 cared for. Even if you are very careful, but a child is still injured, you will likely be sued. While there is a big difference between being sued and losing a lawsuit, both are 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 you do not let your concern stop you from enjoying life. There are millions of incident-free backyard parties every year. Gary M. Singer is a Florida attorney and board-certified as an expert in realestate law by the Florida Bar.