How ride manufacturers insure themselves against accidents

People in the New York City metro area might wonder who would be liable if they were injured in an amusement park accident. In some cases, it might be the manufacturer of the equipment, and manufacturers are insured against this type of incident. However, when an accident does occur, liability must be determined. The operator may be responsible if riders were not safely buckled in or if the weight limits were disregarded.

In April 2017, a relatively small accident in California on the opening day of a water park caused several areas in the park to be closed. A boy suffered minor injuries after he was thrown onto concrete from a water slide. However, some accidents may lead to serious injuries or might even be fatal. In 2016, a boy was killed on a Kansas water ride. The family reached a settlement with the raft manufacturers and the park owners and operators that was believed to be around $20 million although the exact figure was not disclosed.

According to one insurer, there are multiple levels of insurance protection a manufacturer might purchase. In addition to general liability, excess liability and professional liability exposures are available as well.

When a person is injured in an accident on property owned by another person or entity, that owner might be liable, and many property owners carry insurance just as manufacturers do. However, the process may not be straightforward. A property owner might dispute who is responsible. An insurance company might offer compensation that is insufficient to cover a person's medical bills. In some accidents, the full extent of the injury might not be apparent until later. A person who is injured on another's property might want to consult an attorney and discuss how best to proceed.

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