Freak Accident: California birthday party boy – shocked!

Posted on Oct 12, 2014 While a friend and he were just taking a picture – it happened. 9-year old Elijah Belden “apparently touched a metal patio cover support that had stringing lights and had somehow become electrified”, according  to the NBC San Diego news coverage. “A family friend rushed to Elijah’s side to perform CPR moments after he was shocked.” From the Facebook community page “Today marks one week that sweet Elijah was admitted into the hospital. We are all very anxious to see him awake and it should hopefully be soon. The doctors are taking things slowly knowing this is what is best for our sweet boy. His parents have been incredibly strong throughout this whole process and I know it has a lot to do with the amount of prayers and support they have been receiving from the community. As anyone can only imagine, this is the hardest thing they’ve ever been thru and it’s only natural for it to start to take a toll on them. Please pray for strength and peace specifically for Tony and Aly during this time. They are amazing parents and we need to continue to lift them up.” If the patio cover was rented party equipment, there would likely be a claim against the rental company – if they setup the canopy and/or lights for the event. In which case, general liability insurance would cover the legal expense and liability judgement. You can buy California birthday party insurance for as low as $155, which would include the party rental equipment and inflatable amusement devices, as well as overnight camping and water...
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Pumpkin patch accidents like this can, will and do happen! Got Insurance?

Posted on Oct 12, 2014 Besides the need for general liability insurance (GL) and workers compensation (WC) for a pumpkin patch, this tragic incident at an Idaho pumpkin patch is a chilling reminder that commercial auto coverage is also needed. Assuming the bus which ran over and killed the 18 year old pumpkin patch employee was insured with commercial auto coverage, the coverage may become needed in the settlement of the claim(s) that are likely to arise as a result of this tragic accident. According to the post on International Business Times, “Many of the patrons believed it was just part of the ride,” the Kootenai County Sheriff’s Office said in a statement. “It was not until the bus had traveled away from the victim’s location and the role players began to reset for the next bus to come along that anyone realized something was wrong.” Scene of Idaho pumpkin patch accident via the Incredible Corn Maze and Pumpkin Patch Facebook page image. We offer insurance for Idaho pumpkin patches as well as a pumpkin patch in the following states; Alabama, Hawaii, Massachusetts, New Mexico, South Dakota, Alaska, Michigan, New York, Tennessee, Arizona, Illinois, Minnesota, North Carolina, Texas, Arkansas, Indiana, Mississippi, North Dakota, Utah, California, Iowa, Missouri, Ohio, Vermont, Colorado, Kansas, Montana, Oklahoma, Virginia, Connecticut, Kentucky, Nebraska, Oregon, Washington, Delaware, Louisiana, Nevada, Pennsylvania, West Virginia, Florida, Maine, New Hampshire, Rhode Island, Wisconsin, Georgia, Maryland, New Jersey, South Carolina,...
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How to Treat a Burn from a Bouncer Slide

Posted on Sep 21, 2014   Sometimes – under the wrong conditions – inflatable bulls, obstacle courses and an inflatable bouncer slide can cause a skin burn similar to a  rug-burn. For treatment of such burns follow these steps… Step 1: Remove clothing or jewelry from the bouncer slide burn part of the body. This is an important part of treating first degree burns because it makes it easier to get access to the burned tissue and also prevents any other materials to contact the burn, which can make the pain worse. Step 2: Apply cool water to the burn for five to ten minutes. This can be achieved by running cool or cold water over the burn or by submerging the burned portion of the body in cold water. Alternately, a rag or washcloth can be soaked in cold water and applied to the burn. The cool water helps dissipate the heat from the friction, which keeps the burn from getting worse. It is important not to use ice or ice water, as the extreme cold will actually make the burn worse. Step 3: Wash the bouncer slide burn with an antiseptic cleanser. This will help prevent bacteria from infecting the damaged tissue. Step 4: Cover the burn with a dry and sterile protective covering, such as a gauze pad. This will help protect the burned area and allow it to heal more easily. It is important to not apply any bandages with adhesive to the burn, as this can restrict airflow to the burn, slowing the healing process. Step 5: Keep the burned area protected from friction and pressure. While the damaged skin is healing, it is more delicate than it would normally be and can easily be damaged by more friction or burning. Whenever possible, patients with rug burns should keep a gauze pad or some other protective covering over the burn to prevent additional injury. Step 6: Use ibuprofen, aspirin or acetaminophen to relieve pain. Rug burns as well as bouncer slide burns can be painful but these over-the-counter medications are generally adequate for the treatment of pain from friction burns. Step 7: Check the burned area at least once each day for signs of worsening redness or infection. One of the greatest risks of a first degree burn is that bacteria can infiltrate the damaged skin, leading to a painful and potentially dangerous infection. Signs of an infection include worsening pain, expanding areas of swelling...
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