WAG Home insurance and home gym equipment

[bogwoppit]

A recent thread has me thinking.

If you had a home gym, bars, beam, maybe a tumble track or a trampoline, your child gets badly injured, catastrophic injuries. How would home insurance deal with this?

Obviously the home owner would be at fault and would have to sue themselves in order to pay for care.

How would this even work?

For parents who have home gyms, what provisions have you made for serious injury?

 

[Iwannabemargo]

from an ex insurance broker point of view, here it would be an uninsurable risk as the equipment was being used in a way for which it was not intended. If you read a lot of the small print in this home equipment you will find caveats basically saying its not to be used for gymnastics

 

[gymgal]

If your own child was hurt, it would go through your own medical insurance, not a liability or homeowners insurance. If a non family member got hurt and sued, that's a whole other ballgame. I know where we are, you need to add a rider if you have a trampoline in the backyard. Not sure about indoor equipment.