Trampolines and Swimming Pools Increase your famalies Liability Risk.
Swimming pools and trampolines attract children like flowers attract honeybees. The difference is that children can get hurt on a trampoline and pools with diving board or water slides are especially dangerous. Insurance companies have a name for these kind of things. They call them “attractive nuisances,” and you’re responsible for injuries your guests may suffer when they’re using them. You’re even responsible if someone sneaks in and uses your pool or trampoline without your permission.
If you install a pool or trampoline on your property, your home owner’s insurance carrier must be notified because you are required to report any new risks to your insurance company. If you don’t, you might end up being responsible for claims yourself. Also, some companies do not insure property with this kind of “attractive nuisance” so it’s a good idea to ask your insurance agent before adding a pool or trampoline.
If you do have a pool or trampoline, there are a few things that you can do to mitigate the problem and show your insurance company that you’re trying to prevent injuries. If you follow these safety precautions, your insurance provider might not raise your rates:
Pools:
- Install a fence or wall with a self-closing, self-latching gate to prevent unauthorized use. The gate should open out from the pool. To keep children from opening the gate, there can be no openings larger than one-half inch within 18 inches of the latch.
- Set up an alarm to alert you if any unsupervised people enter the area. Be certain that the alarm is loud enough to be heard over your stereo system or television.
- A safety cover over your pool is easy to open and close and can prevent accidental falls into the pool.
Trampolines:
- Teach your children about trampoline safety. Explain that they could get hurt if they use it improperly.
- Supervise who is using the trampoline, especially if they are inexperienced.
- Children under the age of 6 should not be allowed to use your trampoline.
- Put an enclosure around the trampoline so children can’t fall off.
Don’t take a chance. Make your pool or trampoline as safe as possible.
