Bounce with Confidence: Indoor Trampoline Parks Insurance
Owning and operating a trampoline park can be a rewarding experience, and it can be a joy to see your customers having fun at your facilities. However, should a customer trip, fall or collide with another visitor or object, serious injuries can occur. Other common injuries can occur if a customer:
- Lands improperly while jumping or doing stunts on a trampoline
- Falls or jumps off a trampoline
- Falls on the trampoline springs or frame
In scenarios like these, it’s crucial that business owners are prepared with an insurance policy that meets their specific needs. Contact us today at 800-223-6756 to get started.
What Insurance Do You Need?
To appropriately protect yourself and your business interests from unique risks of a trampoline park, it’s crucial to must insure multiple features of your business and operations. That will naturally require more than once insurance policy, including:
BOPs, otherwise known as Business Owners Policies, are an easy way to get several pieces of coverage in one place. These packages contain common types of commercial insurance that apply to a multitude of industries. They often include:
General liability protection: Covers the business in case it causes property damage or bodily injuries to another party, like a client or vendor. General liability protection is critically important for trampoline parks given the potential for third-party injury. Specifically, this policy can cover:
Legal defense costs and judgments
Personal and advertising injuries
Property insurance: Should you own the building that your trampoline park is located in, it’s important to invest in commercial property coverage. Commercial property coverage protects your building and assets stored inside it—including equipment—against losses related to accidents, natural disasters, theft or vandalism. This type of insurance protects the building and covers any business-related items that are stored in the building in the event of an accident, natural disaster, theft or vandalism.
Business interruption coverage: Helps you pay the bills in case you must temporarily close after a damaging accident.
Each BOP differs. Some will offer expanded coverage add-on options like cyber liability or professional liability insurance. Ask your agent about the specifics of your policy.
Workers’ compensation extends to the needs of employees who get hurt or sick on the job. It essentially works to supplement the income the affected parties might lose because of the accident. With coverage, an affected employee might get help with medical bills, rehab costs and other financial needs.
Let’s say an employee falls on their way to the bathroom. They might break a bone, get a concussion or have other injuries. Because the injury happened in the course of their duties, the business might hold responsibility for the employee’s injuries. Regardless of whether the business was negligent in the accident, they often have to offer the employee workers’ comp. Most businesses in the U.S. have to offer this protection to their employees.
If you or your employees ever drive vehicles not owned by your business for business purposes, then you need non-owned and hired automobile coverage. Non-owned automobile insurance provides liability protection when an employee occasionally has to drive his or her personal vehicle for business purposes. It assumes that the vehicle is not owned, registered or contracted in your name or on your behalf.
Similarly, hired automobile insurance provides liability protection when you or an employee is driving a rented, hired or borrowed vehicle.
We will help you determine the who, what, when, where, why and how of commercial insurance. Whatever coverage you choose, you’ll always get targeted protection at budget-friendly prices.
We're Here When You Need Us
Even if you require visitors to your trampoline park to sign waivers, your business still has a responsibility to do everything you can to prevent injuries. We are here for you when you need help with your commercial insurance package. You’ll always get effective coverage at the appropriate prices. Don’t hesitate to contact us today for a quote!
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Insurance buyers have traditionally focused on how to protect their company from unintended events that can lead to property damage, financial losses, injuries, or even death. Over the last few...