Hi,

I am hoping you can help me. I need to use UK Case Law when providing an answer to this question. Please help?

You are an insurance broker. One of your clients is BNC Ltd, a company that operates a large indoor trampoline play area. BNC Ltd has 30 trampolines which can be used, for a fee, by anybody over the age of eight. The trampolines are set out in an open-plan way so that participants can freely jump from one trampoline to another. There are no restrictions on which trampoline can be used, but only one person may use a trampoline at any one time. BNC Ltd employ several inexperienced people to supervise this area. In addition, there is a coffee shop area for parents and spectators.

In the coffee shop area there is a sign which has the following wording: 'BNC Ltd accept no liability for death or personal injury howsoever and wherever caused'. BNC Ltd have asked you to submit the following claims to their insurer: An injury caused to two children aged ten and six years old, who were using a trampoline at the same time. An injury to a parent who slipped on a wet floor in the coffee shop area. An injury to an employee of BNC Ltd who has been accidently knocked over by a child who bounced off a trampoline.

a) Explain, with justification, the legal implications of the sign in the coffee shop for both BNC Ltd and its customers. (8)

b) Explain the potential extent of BNC Ltd's liabilities for the following physical injuries:

(i) The injury to each of the children on the trampoline. (10)

(ii) The injury to the parent in the coffee shop area. (6)

(iii) The injury to the employee of BNC Ltd. (6)

UK Insurance Case Law :)