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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..
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.
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 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.
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
Get all the best quotes from leading providers in a click of a button!
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 |
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.
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.
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
Get all the best quotes from leading providers in a click of a button!
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
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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