Backyard Safety & Liability: Pools, Firepits, & Trampolines
Summer is in full swing, and there’s nothing better than spending long evenings outside with family and friends. Whether you’re hosting pool parties, roasting marshmallows over the fire pit, or watching the kids bounce on the trampoline, your backyard can become the heart of summer fun. But with great fun comes greater responsibility—and potential liability risks.
Know the Risks
Many homeowners don’t realize the extent of their liability when it comes to these popular features:
- Swimming Pools: Pools are considered “attractive nuisances,” meaning you’re liable even if someone uses it without your permission. Ensure fencing is secure, gates are self-locking, and supervision is constant.
- Fire Pits: A cozy fire can quickly become a hazard. Wind, embers, and improper extinguishing can lead to property damage or injury. Never leave a fire unattended, and keep extinguishing materials nearby.
- Trampolines: These are notorious for injuries, especially among children. If your policy doesn’t cover trampoline-related incidents—or if your insurer wasn’t informed—it could leave you exposed.
Protect Yourself
- Review your Homeowners Insurance: Confirm your coverage for liability and medical payments.
- Consider Umbrella Coverage: This additional safeguard can provide additional liability protection beyond your standard policy.
- Implement Safety Measures: Clear signage, supervision, and restricted access to high-risk features can help keep you and your loved ones safe.
Your backyard should be a place for making memories, not insurance claims. C3 can help you take preventive steps to ensure it stays that way.
Matt Clark, Partner, Personal Lines
