Get a Grip on Zip(lines)

While accidents have been relatively low, the magnitude for zip line insurance claims has been quiet high.
Insuring Zip Lines

Ziplines are a newer and wildly popular attraction. They are known by various names such as:

  • zip wires
  • rope slides
  • aerial runways
  • flying fox
  • death slides

They consist of a steel cable (or, increasingly rarely, rope), mounted at an incline between two points. They are traversed by a person attached to the line by a harness and pulley.

Ziplines are quite old, originally developed as a way to more easily access remote areas, such as mountain terrain, forests or as a way to cross rivers and as an aspect of climber training. They are more recently used for entertainment such at adventure camps, hiking areas in parks, amusement parks, festivals, fundraisers, in team-building exercises and, in current development, at private residences.

Using the proper equipment and development of operating procedures focused on safety is essential.  Without these in place it will be hard to insure zip lines regardless of ownership or location.
Safety is Critical

Ziplines are now so popular; they are sold in kit form for private use. A standard kit consists of a cable, pulley, installation kits (bolts, eyebolts, swivels, cable tensioners, turnbuckles, cable clamps, braking device, cable slings etc), handlebars, lanyards or harnesses, and other accessories. Some kits include tools such as cable grabs and cutters.

While accidents involving zip lines are low, in comparison to their use, the consequences of accidents are very high, so safe operation is incredibly important. Much of the safety has to do with ziplines being installed professionally and operated by trained personnel. The residential use of ziplines is likely to result in more accidents because of the absence of those two, critical factors.

It is important that ziplines have safety features that match the installation and use. Residential ziplines are likely to consist of short runs and be close to the ground, still it is important to make sure that there is control over the speed, that the equipment is regularly checked, that the use is properly supervised, that there is proper clearance so that hands, clothing or hair don’t become entangled and that the launch and stopping points are properly supported. Items that help make zipline use safer is the use of a shock-absorbing landing zone, backup lanyards or harnesses, goggles, thick leather gloves (for emergency braking), helmets, masks, and knee pads.

Of course, it is supremely important that the zipline use the right type of cable, have a proper incline, be properly tensioned and that the right attachment and anchor points are used and that the space for the installation is adequate. The installation site must be absolutely free of obstacles, so site preparation is often necessary. Maintenance is very important, particularly with regard to line wear and tension and zipline owners must inspect their installation and gear carefully and regularly. Safe procedures and supervision is also critical.

You may also find it helpful to see our article titled, “Who Cares about Attractive Nuisances” for related information.


COPYRIGHT: Insurance Publishing Plus, Inc. 2015

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Proof that your car insurance IS TOO HIGH?

Buying car insurance in Kentucky is expensive.  Only five states pay more to insure their autos.
Kentucky is one of the most expensive states for auto insurance.

If you live in Kentucky and own a car, then you’re paying too much for Automobile Insurance.

If someone is telling you otherwise, I’ve got some excellent advice for you. Stop listening to that person!  They obviously don’t have a clue about the cost of auto insurance in Kentucky.

.

Kentucky has the 6th highest car insurance in the US.
Proving that the cost of Kentucky Auto Insurance is High

The Proof

Which states would you expect to pay the most for insurance? States with bigger cities, and heavy traffic? Commonsense would lead most of us to expect to find New York, California, and New Jersey at the top of the list.  Using the same logic we can also add Massachusetts, Illinois, Florida, and Connecticut.  And while not a state, I would also expect to see Washington D.C. on a list of states with higher auto insurance premiums. 

Six states have average auto insurance rates that range from $1,750 to $2,500.  Starting with the most expense:

1. Michigan

2. Louisiana

3. Florida

4. Connecticut and,

5. New York  

6. Kentucky

For the most, this likely seems appropriate. But for many it  will be eye-opening to find how high car insurance is in the Commonwealth of Kentucky.  Surprisingly the residents of Kentucky pay more for auto coverage than California.  The same is true for Washington D.C., Maryland, New Jersey, Massachusetts, and Illinois.

Who is this person that says you’re car insurance is not expensive?

Kentuckians on average spend $1,752 annually for auto insurance. That’s almost 30% more than the national average.  It is a fact; your auto insurance is expensive.

  • If you are a good driver in Kentucky, you pay too much for insurance.
  • If you’re a bad driver you pay too much.
  • Kentucky car owner’s that drive too fast, pay to much.                                                                     

 Compared with most other states, Kentucky auto insurance cost more.  While this is true for most residents, not everyone in Kentucky overpays.  Uninsured and underinsured drivers clearly don’t pay too much for car insurance.  But don’t read that to say that this group doesn’t have a hand in cost of car insurance in Kentucky.  Their contribution is significant.  Those that drive with inadequate auto coverage, raise auto premiums for everyone.  This increase in state demand for uninsured and underinsured motorist coverage. Which in turn places upward pressure on the overall cost of auto insurance premiums.

Where you live has a big impact on how much your insurance cost.  Take a look at Kentucky.  Their very high auto insurance rates significantly impact home and auto packages.
It’s a fact that Auto Insurance is higher in Kentucky than it is in most states

The price for car insurance in Kentucky is high.  Some may try to argue this.  Beware of those that argue against the facts. 

Kentuckian plays about $400 a year more than the U.S. Average. Why is Kentucky auto insurance so expensive? 

How does Kentucky compare to other states in our region? To the north, Kentucky borders, Illinois, Indiana, and Ohio. Each of these states is ranked as one of the ten least expensive U.S. States for car insurance. The average auto premium for the three is $973. Compared to these three Mid-Western states, Kentuckians are paying almost $800 a year. 

Why are we still listening to the nuts that still think we aren’t paying too much to insure our personal auto?

If you would like to have an insurance agent look you in the eye and tell you:

 “Yes, you are paying too much to insure your car,” then try TruePoint.

Want to learn about factors that make Kentucky auto insurance the 6th highest in the U.S.?

Give us a call at (502) 410-5089.

Serious about lowering your auto insurance cost?  Then get your insurance documents together.

Call or drop by, and we will do our best to help you reduce the value of your home and auto insurance.

Gun Liability – It’s Complicated

Guns aren’t tools, always treat them with respect

In 2010, during a party that involved minors drinking alcohol, one guest was shot and killed when a gun, being played with by its owner (another party attendee) went off. The parents of the deceased sued the parents of the gun handler. The latter requested coverage from their homeowner insurance company. The company denied coverage and, eventually, a court ruled that no obligation existed under the insurance policy. The company was released from the lawsuit.

Homeowners coverage, like other insurance policies, is intended to protect against losses that are accidental. Often, accidental losses can be readily determined, but incidents involving firearms are complicated.

Accidental discharge of a gun can be a crime

When one person injures another, both the act and the intent are considerations of whether an incident is an accident. In the shooting incident mentioned above, it was determined that the gun handler was guilty of negligently handling the gun and was jailed. Since a court determined the incident was a crime, it did not qualify as an accident. A loss caused by a crime is ineligible for coverage.

When a loss involves firearms, it is often treated far differently than other circumstances. Consider the following:

Jim is hosting a party at his house for a bunch of high school friends and Fran is one of the persons attending it. Jim, well known to his friends as the group’s clown, is fooling around with an item. Fran, who is nearby, is seriously injured. Later, Fran’s family sues Jim’s parents and they file the lawsuit with their insurance company.

Scenario one – Jim recently became interested in tennis. He brings out a very expensive tennis racket he just received. He brags about how light and powerful it is and he demonstrates strokes. When he demonstrates a backhand, Fran is passing behind him and she is hit, suffering a broken nose and several shattered teeth!

Scenario two – Jim recently became interested in firearms. He brings out a very expensive pistol he just received. He brags about how light and powerful it is and he demonstrates how it is supposed to be handled. When he demonstrates how to aim it, the gun fires and Fran is struck. The bullet hits and fractures her shoulder.

In both scenarios, the injuries are a result of Jim’s immature and careless action. In both situations, no harm was intended. In both instances, Fran is seriously injured. In all likelihood, the losses will not be handled similarly. A tennis racket is a piece of equipment that is intended to be used for a particular sport. It is used for hitting tennis balls and other uses are considered unusual and, for the most part, not dangerous. This loss has a very high chance of being treated as an accident.

A gun is a weapon. It is used for both defensive and offensive purposes and, by nature, is capable of extremely serious, often deadly harm. It is considered to be a dangerous instrument. Therefore, the stakes are far higher whenever a gun or other firearm causes a loss. In many instances, even when harming another party is completely unintended, acts involving firearms also involve far more accountability and may not be classified as accidental. In the shooting scenario, the chance is very high that the loss would be denied.

Because of the danger inherent in guns, it’s important to be aware that losses involving them are often ineligible for insurance protection. That makes it critical that their ownership is treated seriously and every possible precaution against unintended injury be taken.


COPYRIGHT: Insurance Publishing Plus, Inc., 2016

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.