Trampoline Park Insurance
Trampoline Park Insurance Experts
Complete a single application to get multiple liability quotes from the leading A-rated carriers for Trampoline Park Insurance.
General Liability is hard to get and expensive for trampoline park operators due to perceived risks.
The trampoline park industry is so new that many insurance carriers have not yet been able to quantify the risks. As a result, General Liability insurance is hard to find and expensive. A number of severe injuries have occurred at some parks and the media has heightened the awareness of the risks involved with sensationalized accounts, Politicians have jumped into the fray with proposed state legislation to make the industry safer. The new voluntary ASTM standards (formerly known as American Society for Testing and Materials) that have recently been adopted, if fully implemented, should start to reduce claims and bring relief to General Liability carriers and trampoline park owners. However, since the standards are still voluntary in all but several states, the insurance industry will try to identify and reward those operations who are in compliance.
Why choose Sadler Sports & Recreation Insurance for your trampoline park? We represent the entire marketplace and are not obligated to any one carrier.
- One-stop shop for General Liability, Workers’ Compensation, Property, Auto, Crime, etc.
- Licensed in all 50 states.
- We work with trampoline parks ranging from single locations to multi-location franchisors.
- 98 percent of our sports & recreation clients rate our overall performance as “Awesome” in survey in terms of quick response time on handling transactions, coverage advice, risk management advice, competitive premiums, etc.
- John Sadler is a licensed attorney, sports/rec insurance specialist, risk manager to ten national sports/rec associations, and has over 25 years of experience handling large and complicated commercial accounts.
Risk management controls for trampoline parks
The starting point for an effective risk management program for trampoline parks starts with the newly adopted standard, ASTM F2970-13, Standard Practice for Design, Manufacture, Installation, Operation, Maintenance, Inspection and Major Modification of Trampoline Courts. The standards are thorough and technical (22 pages). Below are some highlights of the new standard that impacts manufacturers, installers and owner/operators:
- Designer/engineer of manufacturer must perform a device analysis or risk assessment that identifies and addresses all risk factors that impact patron safety with a requirement to document all drawings, calculations and control software. Documents shall include all dimensions and tolerances. Manufacturer must also provide documentation to owner/operator with instructions for installation, maintenance, inspection, and operation.
- The design must take into account patron containment and related attachment to structure, loads and strengths, maximum patron weight assumptions and outdoor operation factors (if applicable). In addition, the trampoline court must have adequate structural capability to carry loads and to resist usage over time and fatigue.
- Specified design elements must be taken into account in the device use zone, containment system, netting, dismount surface, assembly line area, obstructions, TC foam pits, TC bed mount, bed sag, frame, TC bed, suspension system, signage, electrical, chain, wire rope, other rope, welding, metal structures, stability, holes and surfaces, stability, movable systems and inflatable devices.
- Information requirements include manufacturer-provided operational instructions, maintenance procedures, inspection requirements and service bulletins.
- Certification requirements for adequacy of design and compliance with regulations from appropriate party prior to shipment to be given to owner/operator or regulatory authority with regard to containment net or small mesh material, safety netting, impact attenuation material, TC bed, trampoline court design and TC foam pit.
- Performance criteria to include lab testing and field testing for standards compliance.
- Injury reporting requirements where owner/operators must report all significant injuries to manufacturers and manufacturers must notify other owner/operator customers if serious injury could be repeatable.
- Manufacturer responsibilities under F770-11 to determine maximum total patron weight per trampoline bed and court; maximum number of adult or child patrons per TC bed and court; maximum number of patrons per trampoline bed; minimum number of required court attendants; recommended warnings as regards patron health concerns or pre-existing conditions; and specifications for inspection, maintenance and repair of trampoline courts including checklists, patching instructions, cleaning instructions, and pre-opening inspection.
- Owner/operator responsibilities under F770-11 to have written operating procedures including manufacturer’s instructions, established time intervals for each trampoline court, communication system between court attendants, procedures for limiting the number of patrons in the assembly area, verification of court attendant training, appropriate number of court attendants (at least one per trampoline court in operation), ratio of court attendants to active participants (shall not exceed 1:32 including patrons within assembly area or in designated rest areas), other specified rules to promote patron safety, inspection and maintenance program, cleaning procedures, policy on replacement parts, and how to deal with large patrons and other patrons with disabilities or pre-existing conditions.
- Required patron education including pre-participation instructions, acceptable modes of delivery, signage and patron responsibility requirements.
- Patron responsibility requirements, including risk notification, acceptance of risk, duty to exercise good judgment, duty to obey all warnings, no influence of drugs or alcohol, proper use of safety equipment provided, no participation with pre-existing medical conditions, removal of inappropriate attire, avoiding bodily contact with others, avoid crowding or overloading, use within own limitations/training/skill, and avoid landing on head or neck.
Meeting insurance requirements for leases with property owners
Trampoline park operators seek desirable locations such as vacant warehouses and other commercial properties for start-up parks. Insurance advisors and risk managers for these commercial property owners require tenants to produce the normal proof of adequate insurance coverage in order to protect the owners against being shotgunned into lawsuits. Typically, trampoline park operators must provide a current and valid certificate of insurance evidencing General Liability with an each-occurrence limit of at least $1 million with a carrier that has an A.M. Best rating of at least A-.
Call Sadler Sports & Recreation Insurance at 800-622-7370. We can answer your questions and help walk you through the application process.