Between practices, weekend tournaments and impromptu hangouts in the yard, soccer season can mean a lot more time spent (and a lot more soccer balls) around your home. Most parents have had that slow-motion moment: A hard shot that hooks toward a neighbour’s window, a ball that knocks over a guest, or a teammate who slips on the walkway while running after a loose ball.
As a proud sponsor of Calgary Minor Soccer Association (CMSA), Acera Insurance is here to help soccer families understand how personal liability coverage can protect you if someone is injured on your property or if an accident causes damage to someone else’s property.
Understanding your personal liability coverage
Kids are fearless, and when friends and teammates are over, fun can turn into an injury fast. Whether it’s a trampoline mishap, a fall from a treehouse ladder or a collision during a backyard mini-game, it’s important to know how the personal liability coverage under your home insurance works.
For example, if a neighbour’s child trips and falls while chasing a ball in your yard (even if you weren’t aware they were there) you could be held financially responsible, depending on the circumstances and your coverage.
Personal liability coverage is designed to help protect you financially if you’re sued and found legally responsible for someone else’s injury or property damage. Backyard structures and equipment can increase risk, especially trampolines, which are a common source of injuries.
Keeping everyone safe (and reducing your risk)
Supervision is key. An adult should be present when kids are using trampolines, playsets or a pickup game in the backyard. Setting simple ground rules (one at a time on the trampoline, no pushing on ladders, no rough play on equipment) can also help prevent injury.
Interested in learning more? An Acera Insurance advisor can help you understand your liability coverage, talk through common soccer-season scenarios and make sure your home and family are properly protected.
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