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A bouncy castle insurance policy is designed to be there for anyone having a child’s party and an unforeseen accident occurs involving one of these entertainment devices. At this time there is no legal requirement in the UK for any renter of one of these ultra fun inflatable playhouses to have insurance covering it, but it is advisable. If you operate as a self employed sole trader or provide a natiowide service, public liability insurance should be included as a cost within your business plan.
What is bouncy castle insurance?
The most common insurance to cover an event where a bouncy castle will be used is public liability. This is financial protection if anyone is injured due to their interaction with the bouncy castle and decide to seek financial compensation for the injury.
Each public labiality policy will have a limit to indemnity built into it. The most common upper limits the policy will pay out are from £1M to £5M.
If I hire out a bouncy castle do I need public liability insurance?
The cost will be based on the size of your business. For a small business expect to pay a few hundred pounds for a larger inflatable hire business it may be in the thousands of pounds per year. The amount of liability cover that you select will also play an important factor in determining the final policy cost. Check with your local council as many councils impose a minimum amount of cover for operation at local events. For example Burnley require 10 million public liability insurance, others 5 million public liability insurance.
How much is public liability insurance for a bouncy castle hirer?
The cost will be based on the size of your business. For a small business expect to pay a few hundred pounds for a larger inflatable hire business it may be in the thousands of pounds per year. The amount of liability cover that you select will also play an important factor in determining the final policy cost. Check with your local council as many councils impose a minimum amount of cover for operation at local events. For example, Burnley require 10 million public liability insurance, others 5 million public liability insurance.
What kind of claims are made involving bouncy castles?
The most common type of incident involving a bouncy castle is a child being hurt. This can be caused in many ways including;
In 2018 the BBC estimated that 23 million use an inflatable every year and in their report are numerous accidents and even one fatality. The Telegraph reported that more than 10,000 injuries were reported in the year 2012 involving an inflatable device.
What can be done to help reduce the chances of an accident?
There are many rules and suggestions that should be followed. One way to help reduce a child from being hurt while in a bouncy castle or other inflatable is to only permit one child at a time play in or on it. Since that is almost unrealistic in a party situation, the number of children playing in a castle should be limited to 3 or 4. They should also be close to the same size and weight.
All children must remove their shoes, eyeglasses and any object that are hard or have sharp surfaces like jewellery.
Children under the age of 6 and over the age of 12 should not be permitted in a bouncy castle or on an inflatable device.
Most of all the parents of the children inside or using an inflatable should be keeping a close eye on their child or children when they are using one. They should also be ready to take action if a dangerous situation begins to occur involving the inflatable device.
Keeping children safe and free of harm is the goal of all parents. Being prepared for an unforeseen accident is the responsibility of any parent holding a child’s party which should include bouncy castle insurance if this type of inflatable device is to be rented. By contacting Multi Quote Time many of our brokers will send you policies and quotes for bouncy castle insurance. This is to help protect you and your family financially from a lawsuit if a child is hurt on your property.
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