Playground Insurance: Indoor, Outdoor, Cost & Quotes From $5

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Updated: March 27, 2025 . 5 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

  

Playgrounds are an excellent location to take children to have a good time. There are different types of playgrounds, including indoor, outdoor, public, or private. Therefore, if you own any of these, it is essential to secure them with playground insurance to cover risks. 

Playground insurance protects your business against lawsuits and other possible financial losses. This article discusses the policy in detail and why you should consider getting it.. 

Indoor Play Centre Insurance

Business insurance for indoor play center comprises policies such as equipment coverage, commercial property, and business interruption.  

In indoor playgrounds, equipment coverage provides funds for the repair and maintenance cost of crawl tubes, jungle gyms/obstacles courses, inflatable bouncy castles, and many more. 

The table below shows the replacement costs of the indoor playground equipment, in case of damage:

Equipment  Replacement Cost 
Jungle Gym  $17,430
Crawl Tube (plastic) $14,900
Specialty Slide $53,520
Miniature Climbing Wall  $12,760
Miniature Castle $72,750
Obstacle Course $63,990
Total Replacement Cost $235,350

Commercial property insurance  policy provides coverage for damages disasters incur. It even reimburses the total cost of the damaged equipment, which is useful for recouping capital. 

Equipment  Cost
Swing Set $5,230
Slide $17,430
Seesaw $46,200
Sandbox $700
Merry-Go-Round $27,890
Monkey Bar $10,800
Still Rings $5,230
Total Replacement Cost $113,280

Liability insurance for indoor playgrounds is a critical policy that covers lawsuits and settlements if children get injured while playing indoors.  Accidents involving kids can be very costly and outdoor playgrounds might find themselves facing million-dollar lawsuits.

  

Playground Liability Insurance

Playgrounds are fun places for kids. They are found inside restaurants, malls, and other types of public buildings and are installed to bring in customers and increase sales. 

From the 1990s to 2000s – companies like McDonald’s had these very fancy playground facilities that we loved as kids. However, these don’t exist now because they’re nothing but a business liability.  In fact, in 1999 McDonald’s paid $4 million after failing to report children’s injuries to the US government. 

This playground liability insurance protects a business from severe financial burden if ever its playground causes injuries to customers.  Available data from 2000 – 2001 clearly shows what types of injuries kids might experience in playgrounds :

Type of Injury Number of Children Injured (2000 – 2001)
Lacerations 2,320
Contusions/abrasions 1,930
Fractures 1,360
Strain/sprain 1,100
Internal Injury 510
Concussions 230
Dislocation 190

Playground owners always have liability when their equipment causes injuries. On average, highly experienced personal injury lawyers charge $856/hour for their time. 

General liability coverage provides great protection when accidents and injuries occur. Nonetheless, it doesn’t provide absolute protection. 

Premises Liability

Premises liability is an optional policy in your playground liability insurance. It covers the costs of incidents occurring with the playground. If you have additional offices, this insurance policy will cover it. A significant concern for you as the playground owner is the safety of your clients.

Products Liability

This is a critical policy for any business. Products liability in play centre insurance is meant to protect your business from damages or injuries caused by faulty, defective, or spoiled products. This policy is fundamental if you sell food at your playground such as ice cream,  sandwiches, and other types of snacks. 

For businesses that operate amusement centers and dry arcades, getting amusement & dry arcade insurance ensures coverage for equipment damage, liability claims, and business interruptions

Compare Playground Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

  

Indoor Playground Insurance Cost

The average indoor playground insurance cost is $58 a month or $696 a year for a $1 million general liability insurance. The factors we mentioned above affect premiums. 

The average playground insurance cost is $88 a month or $1,036 a year for a $1 million general liability insurance.Different factors affect the cost of playground insurance. 

Company Cost per month Cost per year Best for
CoverWallet $80.00 $960.00 Playground insurance quotes comparison online
USA Business Insurance $75.00 $900.00 Large and established commercial playgrounds

 

Soft Play Area Insurance

Insurance for soft play business protects your business against various claims. This insurance policy covers your business in case a child sustains injury within the soft play area. It also covers third-party liabilities.

This could be worse if the injury is caused by faulty equipment in your soft play area. Therefore, it is essential to get a comprehensive soft play area insurance that protects your business against such lawsuits. You could save a lot of money with this policy.

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Soft Play Rental Insurance

Soft play rental insurance is a tailored insurance product that’s perfect if you’re renting out soft play centers for kiddie parties, birthdays, and other related events. Let’s discuss the inclusions. 

The first inclusion in tailored insurance for soft play rentals is general liability insurance. This will cover expenses if kids get hurt because of your rental soft play equipment and parents file a claim.  General liability insurance for soft play rentals has optional products and completed operations coverage. 

The second inclusion is commercial auto insurance. Commercial auto insurance acts as a cover for the vehicle you’re using to deliver rental soft play equipment to clients. 

Best Playground Insurance Companies

CoverWallet 

While it doesn’t have tailored insurance for playgrounds, CoverWallet has an online quotes comparison platform. Use this to compare the pricing and features of different carriers’ playground insurance so that you can get the best coverage. 

Average cost: $80 per month for a $1 million general liability coverage

Our rating: 8/10

Pros

  • Compare quotes online for free

Cons

  • Doesn’t underwrite playground insurance 

Compare Playground Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

  

USA Business Playground Insurance

USA Business Insurance offers general liability with products liability, premises liability, and completed operations coverage for playgrounds. You can also get workers comp insurance and commercial umbrella insurance. 

Average cost: $75 per month for a $1 million general liability coverage

Our rating: 10/10

Pros

  • Intuitive online insurance quotation 
  • Has commercial umbrella coverage for playgrounds

Cons

  • Doesn’t offer equipment coverage

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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