Catholic Mutual. . .“CARES”
USE OF INFLATABLES/BOUNCE HOUSES
Inflatables have become a popular choice for entertainment provided at parish festivals.
They are also used for school carnivals or as a special reward for class achievements. There
is a large variety of inflatables offered in the marketplace today. Most can be used relatively
safely when proper safety precautions are taken. However, there are several inflatables that
Catholic Mutual Group recommends against using. These include (but are not limited to) the
Bungee Run, Boxing Ring, Gladiator Arena, Jousting Arena, Velcro Wall, Water Slide and the
“Wet Slip and Slide”. If you have questions on a particular inflatable that is not mentioned,
please contact the Risk Management Department.
Most rental companies require the parish/school to sign an agreement/contract when
renting an inflatable. Many of these agreements/contracts contain hold harmless,
indemnity, or similar insurance wording and should be reviewed by Catholic Mutual. These
contracts/agreements could contain hold harmless and indemnity wording that requires the
parish to pay for
any
type of claim which happens during use of the inflatable. Your
insurance program does not provide automatic insurance coverage for
any
type of claim
that happens at
any
time. These agreements/contracts may also require the parish/school
to be responsible for any damage that occurs to equipment which is rented. In these
instances, the parish/school agrees to pay for damage to the equipment regardless of how it
happens, even if the damage was due to natural causes such as wind or lightning. Your
insurance program does not provide automatic insurance coverage for another
organization’s property. Considering this, the parish would be responsible for the damaged
equipment.
A parish/school should never sign an agreement/contract which contains wording described
above. It is only acceptable to take responsibility for claims or property damage which the
parish would be legally responsible for in the absence of the agreement/contract.
Remember that no matter how small an agreement/contract may be, if it contains
unfavorable hold harmless, indemnity or reimbursement language, the parish/school is
risking severe financial exposure if a liability claim or property damage occurs.
If the inflatable will be provided by a vendor that will be responsible for setting up and taking
down the equipment as well as providing the staff to supervise use of the equipment, the
attached Vendor Hold Harmless/Indemnity Agreement should be signed by the vendor.
Since the vendor would have full control over the use of the equipment, they would also
need to provide a Certificate of Insurance naming the parish/school and the (Arch) Diocese
as “additional insured”.
Catholic Mutual Group’s Risk Management Department is available to answer any questions
you have regarding the type of inflatable you wish to use or to review your
agreement/contract with the rental company. To ensure safe operation of the equipment,
the attached “
Inflatables/Bounce House Rules”
should be followed.
(Revised 10/2018)