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

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Playgrounds are an excellent location to take children to have a good time. They are a gift for parents looking to keep their kids happy and busy. There are different types of playgrounds, including indoor, outdoor, public, or private. Therefore, if you own any of these, it is essential to secure it with playground insurance to cover risks. 

Playground or play centre insurance protects your business against lawsuits and other possible financial losses. This guide discusses the policy in detail and why you should consider getting it. We will also mention its cost with the determining factors. 

Indoor Playground Insurance

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

While indoor playgrounds have become safer due to extreme security measures, situations aren’t always in your control resulting in unforeseen accidents. For that reason, you must get indoor playground insurance for your business. 

Indoor playgrounds rarely have accidents, but, when they happen, they could be costly. A child may accidentally fall from a ride and sustain serious injuries. In that case, their parents might file a lawsuit against your business. 

This is why you should get general liability coverage that protects against such claims. Just like gym insurance, this insurance policy pays for all costs incurred in case of accidents and other related instances. 

Given the setup of an indoor playground, there are many ways a child or parent could sustain injuries while having a good time. Luckily, most of these instances are covered under indoor playground insurance. This policy also covers all the legal expenses resulting from such lawsuits.


Outdoor Playground Insurance

Unlike an indoor playground, an outdoor playground allows children to enjoy more dynamic activities. Parents prefer outdoor playgrounds because they tend to be spacious so that kids can move more freely. However, this also means that kids can easily get into accidents. If you own an outdoor playground, you must secure it with insurance. 

This protects your business against lawsuits due to injuries and other related cases. Outdoor playground insurance also covers third-party liabilities that could otherwise cost you a lot of money. For instance, if a parent's car sustains damage at the playground, this policy will help you cover its repair. Therefore, you must get this insurance cover for your outdoor playground business.

However, if you have any supplementary business within the premises, you need to insure it since it may not be covered. For instance, if you have a juice bar, you need juice bar insurance to cover you against possible risks.

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Playground Liability Insurance

Playgrounds come with a wide range of liabilities. Getting playground liability insurance is vital because it covers your business against a wide range of liabilities. Here are some of the policies covered under playground liability insurance. 

Premises Liability

Premises liability is a policy in your playground liability insurance that 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. If a child sustains injury within the playground, this policy will help you pay the medical expenses.

Completed Operations

This insurance policy protects your playground business against complaints that occur after delivering services. For instance, if a parent brings their child for fun activities but feels the child isn't enjoying your facility, they could file a complaint. In that case, this insurance policy will protect you.

Products Liability

This is a critical policy for any business. Products liability is meant to protect your business from damages or injuries caused by faulty products. This policy is fundamental if you sell other products at your playground. If you sell things like ice cream, toys, or other refreshments; this policy is necessary. It helps pay for costs caused by products that injure your customer or make them sick. 

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Playground Insurance Cost

The average playground insurance cost is $58 a month or $700 a year. It is important to note that different factors affect the cost of playground insurance. For instance, the type of business insurance coverage you choose could increase or decrease the cost.  

Comprehensive business insurance policies tend to cost more than standard ones. Furthermore, the size of your playground business also plays a vital role in determining the playground insurance cost. If you run a large playground that gets lots of visitors in a day, you could spend more on insurance.

How Much Does Indoor Playground Insurance Cost?

The average indoor playground insurance cost is $88 a month, or $1,036 a year. Several factors influence the indoor playground insurance cost. Some of them include the type of insurance policy, the location of your business, history of claims, size of your business, and the number of employees.

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Soft Play Area Insurance

Soft play areas are ideal spaces for younger children to have fun. These spaces are modified to make it conducive for toddlers to play various games and interact with others. While soft play areas are generally safe, the risk of injury is still high. 

This is why you need soft play centre insurance that 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.

No matter how safe your soft play area is, it won't prevent the risk of accidents and other potential hazards. Dealing with excited toddlers can be tedious because they demand a lot of attention. This means they could hurt themselves while playing. In that case, their parents could file a claim against your business for damages. 

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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