The insurance policy thing changed here because a kid fell off and broke his neck—the side guards failed

He became a quad and remained in a wheelchair and had numerous health issues until his passing 5 yrs later. The parent said had she known it was such a risk, she never would have allowed it.

I think most people I know, haven’t run it by their insurance co, but if someone got hurt….Diving boards are in the same category here—changed after I moved here, so I was grandfathered in, but when I did the pool remodel, I removed it–If I was to sell the house, the buyers couldn’t get insurance on the house