There was a recent story on Facebook about a child who was injured at an Indoor Trampoline Park, in which the mother asked her friends to share so that everyone would be aware of the risks these places present. Our partners at Advocate Brokerage wanted to do the same so that all parents understand the dangers of both indoor trampoline parks and backyard trampolines. The facts may surprise you:
Children can get hurt in several ways including when they:
- Land wrong.
- Flip or do somersaults (this is particularly dangerous because children who are injured while attempting these stunts are the ones who suffer permanent injuries).
- Crash into or land on another child – ¾ of all injuries happen this way!
- Land on an object on the trampoline, such as a ball, which commonly results in broken ankles
- Attempt to jump off the trampoline or fall off while jumping.
- Land on the springs or the metal frame instead of the center of the trampoline
Children’s injuries can result in:
- Broken bones, with fractures being the most common – 92.7% of those with fractures that occur on a trampoline are under the age of 16.
- Bruises, scrapes, and cuts.
- Head and neck injuries which could mean a permanent disability or in extreme cases, death.
As a result, The American Academy of Orthopedic Surgeons makes a strong recommendation on the subject: No Children Under 6 Years of Age Should EVER Jump on Trampolines.
Indoor Trampoline Parks
Indoor trampoline parks are cropping up everywhere. Unfortunately, the increase in this type of family entertainment brings with it an increase in visits to Emergency Rooms due to issues including:
- They are unregulated.
- Employees may not receive proper training.
- There is a lack of supervision.
- They can have worn or broken equipment.
- Many report a lack of care once a person has been injured.
- Multiple kids in multiple age groups are allowed to bounce together.
- Double bouncing is allowed which can cause additional injuries.
Unfotunately, the fun your child could have at one of these places may not be worth the risk if they are injured.
Even if you have made the decision against indoor trampoline parks, your own backyard trampoline can still pose serious risks despite proper supervision, nets and padding.
There are too many variables to name to ensure that every child who jumps on your trampoline will stay safe. In an ideal world, your kid jumps and lands on their feet in the center of the trampoline and all is well. What you can’t predict is your kid losing their balance while bouncing in the air and landing on the padded springs or other kids or squarely on their arm, ankle or head.
What you should know…
When it comes to having a trampoline in your back yard, you should know that many insurance companies will not insure homeowners who own trampolines due to what they view as a dangerous exposure. That is not to say that all insurance companies deny coverage to homes that have trampolines; those companies that do allow them always require the trampoline to have proper padding and safety netting. They also generally require they be located in a fenced backyard. Additionally if you make the decision to put a trampoline in your backyard, it may be a good idea to have a conversation about a personal excess liability policy (or Umbrella Insurance) so that if you have a backyard full of kids playing and someone one is injured, you are protected should the family of the injured child file a lawsuit against you.
At Advocate Brokerage, the goal is to educate each client they serve, providing awareness and information so that you can make informed decisions when it comes to creating your personal insurance portfolio. For more information, call (914)723-7100 or visit https://advocatebrokerage.com.