Properly Using And Insuring A Bounce House

Bounce houses. Some of us might have played on them as children. Still more of us may consider renting or buying one for a special event, such as a child's birthday party.

As fun as they are, bounce houses also pose risks. Bounce house users could suffer broken bones, sprains and concussions if things go wrong. More serious injuries may range from suffocation to even death.

Should an accident occur in a bounce house, users may turn to their insurance to see if they can receive any assistance for the damage sustained. But what exactly is covered?

Bounce House Insurance Coverage

If a rental or party company offers bounce houses, they understand that their product presents an injury or damage risk for the renter.

Therefore, rental companies should carry appropriate commercial liability coverage to protect themselves if a bounce house accident occurs. Commercial liability coverage may help the company from a financial loss if there were to be a serious injury. However, the bounce house company should take care to ensure that their insurance policies cover bounce house risks.v

In limited circumstances, home insurance policies may cover liability risks associated with bounce houses. However, this coverage may vary from policy to policy.

Reducing Bounce House Risks

Sometimes, external forces can lead to bounce house-related injuries or damages. For instance, a bounce house may collapse or deflate, leading to injury risks to users. In the most extreme cases, high winds have blown bounce houses away, causing injuries, property damage and even death to those inside.

Due to the sensitivity of these large inflatable items, users must make sure they use them with care.

• All bounce house companies should have the training and qualifications to install and operate the inflatable. Indeed, many states require operating certificates for inflatable companies. This provides a degree of oversight and professionalism for the industry. With training, bounce house companies can install and track the use of these materials. Therefore, they can reduce the risk of accidents.
• Should a homeowner rent a bounce house, they should learn the proper installation and maintenance techniques. They should then check their home insurance coverage to see if it covers bounce house risks.
• Furthermore, homeowners should always make sure the rental company has insurance. That way, if the bounce house malfunctions, the rental company may be able to oversee the damage. Renters may need to hire a specialized operator to better protect the bounce house use.

With the right care, you can ensure that you have the right protection for your bounce house.

Make sure you're covered. Call Southwest Commercial Insurance at (512) 771-6091 or contact us online for more information on insuring bounce houses.