Bouncy Castle Insurance

Mocame said:

SNIPPED TEXT. An elderly relatively recently had someone injured when trimming back trees on her land. She had employed an insured company, luckily, but was worried sick about the potential for a claim. What kind of country are we living in where elderly people have to worry about people suing them and kids can't have some fun playing during a family celebration?

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A classically good example of the need for caution and proper advice about liability insurance.

You will find that the side of the contractor's van has a sign saying that they are "fully insured".
Assuming that to be true you next ask if that means that you - the customer - are covered.
Most customers believe that the contractor's liability insurance covers them - the customer - too.
It probably does not cover the customer's interests. It probably covers the contractor's liability only.

Does it matter if there is an accident caused by a contractor ? Yes, especially if the contractor does not actually have insurance.

The general principle is that a principal [the customer] is not vicariously liable for the negligence of an independent contractor.
However, in certain circumstances, that shield does not protect the principal. For example, if the contractor was executing works that carried a strict liability, or created hazards on the public road and a few more little gems.

BTW if the contractors trimming trees were using a chain saw liability policies might be redundant as many of them exclude claims arising from use of chain saws.

We got one last year for my Son’s communion; we have a large driveway out the front so wanted to put it there. He had his heart set on one of the slide/castle combos; was surprised how many companies were prepared to rent them out when they couldn’t be anchored down (with the concrete).
We settled on a large (deep) bouncy castle; we had different groups at different times over the weekend- school friends on the Friday afternoon, cousins on the Saturday early afternoon and Neighbors on the Saturday evening.
We had an adult supervise all the time and broke up any messing; when a group had finished we deflated the bouncy castle.
An accident could still have happened etc but we tried as best to minimise the possibility.
Bit nuts that kids can’t enjoy this type of fun really anymore!

argentina said:

We got one last year for my Son’s communion; we have a large driveway out the front so wanted to put it there. He had his heart set on one of the slide/castle combos; was surprised how many companies were prepared to rent them out when they couldn’t be anchored down (with the concrete).
We settled on a large (deep) bouncy castle; we had different groups at different times over the weekend- school friends on the Friday afternoon, cousins on the Saturday early afternoon and Neighbors on the Saturday evening.
We had an adult supervise all the time and broke up any messing; when a group had finished we deflated the bouncy castle.
An accident could still have happened etc but we tried as best to minimise the possibility.
Bit nuts that kids can’t enjoy this type of fun really anymore!

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And this time it's not the Goverment that's to blame. It's your friends parents, so be careful who you invite. Like a licence to print money for some.

RetirementPlan said:

Really? 'So many people'? Have there been loads of cases in the courts for knee scratches?

Weren't those play centres repurposed from offices and warehousing in the first place?

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Yes, quite a few for the most minor of injuries. The first question is "how much can we make from this". That's why insurance companies have simply refused to place insurance. Because little Mary and little Johnny are so precious that a scratch on the knee has life altering consequences that need €75,000 compensation.

They were rarely repurposed from offices, but because of the size of structures they are usually located in business parks and would have full planning permission.

A friend had one. The figures simply no longer added up. Insurance was in excess of €40,000 - he had no claims.

peemac said:

Yes, quite a few for the most minor of injuries. The first question is "how much can we make from this". That's why insurance companies have simply refused to place insurance. Because little Mary and little Johnny are so precious that a scratch on the knee has life altering consequences that need €75,000 compensation.

They were rarely repurposed from offices, but because of the size of structures they are usually located in business parks and would have full planning permission.

A friend had one. The figures simply no longer added up. Insurance was in excess of €40,000 - he had no claims.

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Would you like to share details of any cases where a scratch on the knee resulted in €75k compensation?

RetirementPlan said:

Would you like to share details of any cases where a scratch on the knee resulted in €75k compensation?

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slightly more then a scratch and less then €75k but no shortage of cases. 2 as an example



not to mention those kids who were killed in Australia on one.

Peanuts20 said:

not to mention those kids who were killed in Australia on one.

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How does that relate to compensation levels in Ireland?

Peanuts20 said:

slightly more then a scratch and less then €75k but no shortage of cases. 2 as an example

Bouncy Castle Accident Compensation of €40k for Boy who Broke Elbow in Fall | Compensation Ireland

€40,000 personal injury compensation has been awarded to a boy who broke his left elbow in an accident involving a bouncy castle. The young male, Rean Jay Cabangal, fell from the bouncy castle at the Courtyard Hotel in Leixlip, Co Kildare. Representing the boy at the Circuit Civil Court...

www.injury-compensation.ie

€50k damages after boy breaks elbow on bouncy castle

A seven-year-old who broke his elbow playing on a bouncy castle was yesterday awarded €50,000 compensation against the owners.

www.irishexaminer.com

not to mention those kids who were killed in Australia on one.

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Right, so we're agreed no-one is getting €75 for a scratch on the knee.