Laurie Bauer, CAIB | Business Development Manager, Orbit Insurance Services

Before the fun takes off, it’ s important to understand trampoline liability, how to prevent accidents, and how the right insurance coverage can protect you.

The Reality of Trampoline Injuries

One minute, kids are laughing and bouncing— the next, a wrong landing leads to an emergency room visit. It happens more often than you’ d think. Every year, over 1,200 children in Canada are injured on trampolines. From broken bones to head injuries, these accidents can be severe.

While proper safety measures can reduce the risk of injury, trampoline accidents remain a real concern for homeowners.

Why Trampoline Liability Matters

If someone gets hurt while using your trampoline, you could be held financially and legally responsible. This can include covering medical bills, legal costs, and potential lawsuit settlements.

Trampolines are often considered an“ attractive nuisance” by insurance companies. They naturally draw in curious visitors, like children, who might not fully understand the risks. As a homeowner, you are expected to take reasonable precautions to prevent unauthorized use and maintain a safe environment— even for guests you didn’ t invite.

How Insurance Coverage Works for Trampolines

Every insurance policy is different. Always check with your insurance broker or provider for specifics.

Your standard Homeowners Insurance may or may not include trampoline liability, or may require specific safety precautions, such as installing a protective enclosure net, keeping the trampoline in a fenced and locked area, and using protective padding on springs and frames.

Homeowners insurance may also cover damage to your trampoline from vandalism, theft, or weather events— but this also varies by policy.

A Personal Umbrella Insurance policy provides extra liability protection beyond your standard homeowners insurance to cover excess expenses— if an injury results in a high-cost lawsuit— that exceed your home insurance limits. Depending on your insurer, you might be eligible to purchase Additional Riders or Special Policies for trampolines to supplement your existing homeowners policy or as stand-alone separate coverage.

Don’ t Let a Trampoline Accident Catch You Off Guard— Make Sure You’ re Covered

A trampoline can bring joy, laughter, and countless memories, but the risk of injury and liability is real. Having the proper insurance protection means one wrong bounce won’ t put you in a financially difficult situation.

For more practical safety tips, to read the full article visit: bit. ly / OrbitTrampoline

SUMMER 2025 | 55