Using sports equipment like tennis racquets, baseballs, baseball bats, flying saucers, lawn darts, or horseshoes has the potential to harm others. So does the use of skateboards, bikes, mopeds, go-karts, and radio-controlled cars, drones, helicopters and planes. What can possibly happen when you have friends over to use your driveway, play equipment or swimming pool?
Potential liability comes from either you having fun at the expense of others or their property, or failing to take precautions for those you've invited to your residence (or other places).
Preserve Your Summer Fun
The easiest way to prepare for summer-activity liability is to ask yourself these questions:
- What can I do to keep others safe from my activities?
- Am I prepared to be responsible for people I hurt or property I damage?
- How do I make my home and yard safe for fun-seeking visitors?
- Am I keeping my guests to various events safe?
Adult supervision is critical for potentially dangerous activities such as the use of motorized recreational equipment, trampolines, and swimming pools (including small wading pools). It's also important to make certain that guests you invite for camping or hiking trips are watched after carefully. In many instances, you are responsible for the safety of your guests when you invite them to enjoy outdoor activities, particularly boating or other activities involving water-related equipment.
How Does Liability Insurance Play a Role?
When accidents happen, they may be followed by medical expenses and, more seriously, lawsuits. Wouldn't you want to be protected against such financial consequences?
Don't assume you have coverage — especially when an activity involves motorized or powered equipment. You may have to add coverage to your homeowner's policy or even buy special coverage for mini-bikes, mopeds, boats, all-terrain vehicles, etc.
Make safety part of getting ready for summer fun. Contact your insurance professional to make sure you have the right coverage to support a fun summer!
Related links: Umbrella Liability