clock March 4, 2013 comments No Comments flowchart Business InsuranceFamily & Home CareOur Blog tag ChildrenLiabilitySafety

You may notice that when you bring your child to a birthday party at any type of establishment that requires physical activity, you have to sign a waiver of liability before your child can go have fun with his friends.  You might just sign away without reading it because -well, what’s the difference, right?  If nothing happens, sure.  There’s no problem in signing the form.  However, you might see it differently if your child is injured while playing and there is nothing you can do about it.

While waivers make sense for company owners, the individuals signing them should really pay attention to the wording on the form.  Sometimes signing a waiver means you essentially give up your right to sue the establishment if something were to go wrong while you are there.

Say your child is invited to a birthday party at a gymnastics place.  While she is jumping on the trampoline, she falls off the side and breaks her arm.  The equipment is not faulty and your daughter was being watched the whole time by an employee.  There was no foul play nor was your daughter doing anything outside of the normal scope of play.  Because you signed the waiver of liability, you are fully responsible for taking care of your daughter’s medical bills.  This really isn’t a problem if you have medical insurance unless your medical insurance carrier will not cover you for some reason.

It’s a good idea to thoroughly read any waiver you are asked to sign before you sign it.  Ask for them in advance if you know you will be going to an establishment that requires them.  And give your insurance agent a call to see if signing a waiver of liability has any affect on your insurance policy.  Then go have a great time!

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