A surprising number of claims come from an unexpected source: metal folding chairs. Collapsing chairs are extremely dangerous and often collapse during normal use. Many injuries can occur from a chair collapse, including:

• Heavy bruising
• Smashed fingers
• Broken arms and wrists
• Fractured pelvises
• Severe lacerations
• Concussions

Injuries associated with deteriorating folding chairs may require corrective surgeries, hospitalization and significant recovery times. They are extremely expensive to both the injured and your Post, as medical expenses alone can easily top tens of thousands of dollars.

Evaluate Chairs to Prevent Collapse

To avoid an injury and costly claim, perform a thorough and in-depth safety review of all chairs—whether they are folding or standard design. Questions to ask when determining if a chair should be retired:

• When was the chair purchased? If it’s over 10 years old, you may want to retire it, since collapses are more likely on older chairs.
• Has it been recalled by the manufacturer? Numerous types of folding chairs are recalled each year, sometimes decades after production. The U.S. Consumer Product Safety Commission keeps track of product recalls.
• Are the legs firmly attached with all hardware in good working order?
• Are there any rust spots, jagged pieces or breaks in the metal that could cut, jab or otherwise injure someone?
• If the chair is wooden, does the chair show any signs of dry rot, molding or instability?
• Do the chair legs firmly and securely contact the floor or are they uneven? If you sit in the chair, does it move back and forth or remain stationary? If there is significant movement, the chair should be retired.
• Has the chair been repaired multiple times in the past? Chairs that have been mended by applying duct tape or other questionable methods should be thrown out.
• Do you feel safe in the chair? Would you feel comfortable placing your child or grandparents on the chair? If you answer “no”, it’s a good idea to retire the chair.

If your Post is like many others in the country, you likely have a large supply of chairs and tables that have been stock-piled at your building for years or even decades. Examine the condition of your chairs and tables to ensure they are in proper condition.

 Remember, it is your responsibility to provide a safe environment for members and guests.

Coverage may not be available in all states and is subject to actual policy terms and conditions.  Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency.