Horrific Carnival Ride Accident in Nebraska

Girl Scalped by Carnival Ride

At a Cinco de Mayo carnival in Omaha, Nebraska an 11 year old girl’s scalp was torn from her head when her long hair got caught in a carnival ride called “King’s Crown”. Witnesses say that she slipped from her seat onto the floor of the ride and her hair got caught in the spinning mechanism in the middle of the ride. The ride kept spinning for up to 5-10 minutes as people yelled for the operator to stop the ride. She also suffered a skull fracture in the incident. Graphic images after her surgery show where her scalp was reattached right along her eyes. Her family says the doctor’s do not know if the girl will ever be able to see again.

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Paralyzed Man Sues Trampoline Park


According to various local news stations in Minneapolis Minnesota a 39 year man is suing the Airmaxx Trampoline Park for an injury that happened last summer. As seen in the video the man tried to do a double flip into the foam pit. Unfortunately, he landed on his neck and is now paralyzed. The lawsuit against the trampoline park is alleging that the center did not have a deep enough foam pit for someone to jump into safely.

The attorney from the trampoline park expressed condolences for the accident, but that the trampoline park does not think that they were at fault. The attorney cited that the man did sign a waiver and that the customers are instructed before entering the trampoline area not to exceed their capabilities.  According to the injured man’s attorney he only signed a waiver as a guardian for his son and not himself. The lawsuit is still in it’s early stages. Continue reading “Paralyzed Man Sues Trampoline Park”

Trampoline Parks, the newest fad in recent years…or are they?

LIFE May 2, 1960,  Vol. 48, No. 17

Trampoline Parks have been popping up all over the U.S. in recent years. While many may think that this is a new type of entertainment it was actually a big fad in the late 1950’s & early 1960’s. The parks were usually created in large grass lots full of pits that the trampolines were put into.

Jumpers could pay 25-50 cents to jump on the trampolines for a half hour. According to a May, 1960 article in LIFE magazine, the parks had gone from three in the Los Angeles area in the fall, to 175 in May. They said that the trampolines parks were opening at a rate of 10 a week. The article reported that their were accidents such as a 16 year old boy dying after dislocating his neck…but that “most of the injuries are sprains and bruises and insurance companies say that the rate of accidents is statistically low”. Continue reading “Trampoline Parks, the newest fad in recent years…or are they?”

Family gets $11.5 Million in trampoline park lawsuit


According to CBS news a Texas teenager that was injured at a trampoline park franchise called Cosmic Jump has been granted $11.5 million in damages. This is the largest lawsuit ever against a trampoline park. The teenager was sliding down a trampoline slide and when he got to the bottom a tear in the trampoline opened further causing him to fall through. He fell five feet and hit his head on the concrete floor below the trampoline.

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Tips on correctly insuring a Fun Center

Correctly insuring your family fun center is one of the most important issues you should address to protect yourself.  We will review a few simple issues to address.

Is your miniature golf and go-kart facility safe, enjoyable and accident-free for your guests?

Usually the two most popular activities at a family fun center are miniature golf and go-karts.  And amazingly enough, the most insurance claims are these two activities.  So how can you work to keep your facility safe, keep the experience for your guests enjoyable and accident free?

Glad you asked!  Having owned a family fun center with both of these activities I can speak from experience as an owner and an insurance agent.  Good news travels slow, bad news about injuries travels fast, so let’s look at what you can do as an owner or manager to prevent these from happening. Continue reading “Is your miniature golf and go-kart facility safe, enjoyable and accident-free for your guests?”

Cyber Liability Insurance: Are you properly covered in the event of a data breach?

It’s been happening more and more lately, big businesses such as Target, T.J. Maxx and more have been the targets of data breach. But it doesn’t just happen to large companies…small businesses are also at risk for these data breaches. According to IBM there were 1.5 million Cyber Attacks in the United States in 2013, and that is just businesses that knew about them!

How do cyber-attacks happen?

According to IAAPA’s Fun World magazine there are a variety of ways that data thieves are able to breach your data. These ways include attaching a hidden device to your credit card machine, using malware and taking advantage of the split second before the credit card data is encrypted. According to the Computer Security Institute 2 in 5 companies experienced a cyber-security issue in the last 12 months.

What kind of damage will a cyber-attack do to my business?

There are many ways that a cyber-attack can damage your business, the first being loss of reputation. If customers find out that their data was stolen they will be wary of doing any more business with your company. In the infographic below IBM shows just how a cyber-attack could affect your business financially.

IBM. http://www-935.ibm.com/services/us/en/it-services/security-services/data-breach/index.html
IBM. http://www-935.ibm.com/services/us/en/it-services/security-services/data-breach/index.html

What can I do to protect myself?

• Regularly have your systems scanned for the evidence of Malware
• Make sure that all credit card information is encrypted
• Never use default passwords
• Have an experienced IT professional make sure that you have the proper firewalls, and anti-virus protection
• IAAPA suggests deleting customer data from your system after a certain time period.

Even with all these steps in place a data breach can still occur. Make sure to obtain Cyber Liability Insurance to help with the financial loss of a Cyber Liability Attack. Cyber Liability is not covered under most business general liability policy. Contact us today at 864-688-0121 to talk about getting Cyber Liability coverage for your business.


Funworld Magazine. “Preventing Data Theft”. http://www.iaapa.org/news/funworld/funworld-magazine/preventing-data-theft—june-2014

IBM. “Data breach statistics”. http://www-935.ibm.com/services/us/en/it-services/security-services/data-breach/index.html

Chubb. “Chubb 2012 Public Company Risk Survey: Cyber”. http://www.chubb.com/infographics/chubb3/index.html

Download the New CIA mobile App for Android!

Our new mobile App for Android (coming soon for Apple) allows our customers an easier way to view their policies, get expiration reminders, contact their specific agents, request certificates & submit incident reports. Download it today, it’s FREE!CIA-AppAndroid

Family Entertainment Centers: Competing Against Technology

Girl Using Smart PhoneLet’s face it; today’s generation of children is becoming more and more dependent on technology such as iPads, smartphones & computers. How can Family Entertainment Centers compete with this? It’s hard enough for parent’s to get kids off of the couch & out of the digital world; let alone into your FEC center. In fact, in a study by Common Sense Media they found that 38% of kids under the age of 2 use tablets or smartphones and children up to the age of 8 are using tablets 5 times more than they were two years ago.

In an article by IAAPA’s “Fun World Magazine” they discuss some good ways that an FEC can remain relevant in this turbulent time of technology. Here are some of the things that they suggested (and also a few suggestions of our own):

  • Create experiences at your FEC center that can’t be replicated at home. For example don’t just fill your Family Entertainment Center with Arcade video games…they can play those at home. Add basketball shoots, table hockey, laser tag anything to keep them challenged and having fun.
  • Host competitions/tournaments to get them competing with their peers in the real world instead of just on the video game screen.
  • Make sure your FEC is active on social media. Site’s such as Facebook, Twitter & Instagram to name a few are very popular with today’s youth and even older individuals as well.
  • Having a website is a must. Your website should showcase all of the unique experiences your Family Entertainment Center has to offer. If it doesn’t look worth their time on the website they are less likely to take time out of their busy schedules to come and visit your center.
  • Make “Family Days” with special promotions encouraging the entire family to come out to your FEC and spend some quality time together.



Funworld Magazine. “The Singapore FEC Market”. http://www.iaapa.org/news/funworld/funworld-magazine/the-singapore-fec-market

The Cut. “Study: 40 percent of kids use iPads before they can speak”. http://nymag.com/thecut/2013/10/40-percent-kids-use-ipads-before-speaking.html