HERCULES, CA. — City officials in the small Northern California town unanimously adopted a business killing resolution to ban inflatable play structures “bounce houses” at City parks and/or facilities due to “liability concerns”. What will they ban next in Contra Costa county, jogging, bike riding, and… aerobics? During the meeting the City’s council also directed the city staff to draft an ordinance to attach monetary fines and penalties against violators. Parks and Recreation Director Pedro Jimenez said the city’s concern over bounce house liability has been plaguing Hercules for years following a single indecent which caused the city some undisclosed level of liability. The issue was first discussed in 2004, he said, and the city agreed to require permits for inflatable jumpers in the park — and restricted the number to two per park at a time. Then in 2008, Hercules stopped issuing the permits altogether because the city’s insurance agency does not provide liability coverage for the inflatable jumpers. Even if inflatable company owners offer insurance, the coverage may not be enough, and if someone gets hurt at a city park and then sues the city, the city would be financially liable, he said. However, my opinion as an insurance agent who does provide liability coverage for inflatable jumpers with additional insured endorsements naming the city as additional insured with up to $2,000,000 coverage per claim, the ban limited to parks is arbitrary, overreaching and shows a lack of care for park users, local businesses, and fun for kids. Get a Bounce House Rental Insurance Quote CLICK HERE Signs will advise park visitors of the ban, and Parks and...
As many as six (6) or more injury claims will likely be filed in Atlanta as a result of a bounce house accident during an Atlanta mall festival. Several children were hurt – and six were taken to the hospital – when an inflatable slide they were playing on toppled over suddenly during the Greenbriar Mall annual Fall Festival Atlanta Georgia. One child’s mother says she watched in horror as her 7-year-old son fell straight down from the top off of the slide. Then said she wants the mall or the party rental company to pay for her son’s medical bills. This single inflatable accident may invoke multiple types of coverage such as Accident Participant and General Liability, not to mention legal expenses to defend the rental company against any lawsuits....
QUESTION: Do I need insurance if I own my own really small business? ANSWER: Absolutely, because let’s face it “accidents” happen. Why lose it all because you failed to buy reasonably inexpensive insurance? Do your clients trust you – do you trust them – with your business? Even rental equipment companies like Jungle Jumps – a worldwide supplier of commercial grade bouncers – knows that having insurance is an absolute must, especially for really small businesses. In their article titled “Your Inflatable Jumper Business and Insurance” Jungle Jumps writes “One of the best things about having insurance is that people will feel much more comfortable renting a jump house from you. They will know that should anything unforeseen happen, they’ll be covered by your insurance. And you can rest more comfortably as well, as you’ll know that if something does happen, because no matter how diligent you may be you never know when an accident will occur, you’ll be saved from going completely bankrupt.” Do you want to go bankrupt for providing equipment – for someone else’s fun? Bond your business and advertise your rental company as ‘bonded’ for only $50 per year! Click here for a...
A birthday party Hayride in Ohio became an accident liability for the event when a pickup truck struck a wagon pulled by a tractor as a hayride. With 20 children and six adults on board, this single accident may invoke multiple types of coverage such as Accident Participant, Workers Compensation, Commercial Auto and General Liability. Read more about the Ohio hayride accident...
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