A children’s play centre is all about having fun. The parents bestow a level of trust that their kids will be safe in your play centre and have a great time with their friends.
Parents often worry about leaving their child for an hour or so in a play centre, and as the owner or manager, you probably have similar concerns and do your utmost to mitigate risks.
Children are excitable and unpredictable, and if you add the excitement of a soft play area with slides and climbing frames to the mix, there are undeniable risks and liabilities involved.
That’s why it’s crucial to have reliable play centre insurance.
What Is Play Centre Insurance?
A play centre insurance policy protects your business, your staff, and your customers. It covers various aspects of your business including building and contents, play centre equipment and public, product, and employer liability.
Having a strong duty of care and implementing strict health and safety regulations isn’t enough to mitigate the risks associated with running a play centre. From bumped heads and slips and trips to damaged play equipment and negligence claims made about your staff, there are far too many risks at stake not to have a decent insurance policy.
A good insurance policy for indoor playgrounds can shield your business from financial and reputation harm. This protection applies in case of accidents, incidents, or claims made against you or your staff.
It can also save you a significant amount of money if one of your staff has an accident while working and files a claim.
What risks are involved with running an indoor playground in Australia?
Running an indoor playground involves various risks, despite taking every precaution. Playing may cause injuries to children of all ages, which could potentially lead to lawsuits that may threaten your business. Additionally, like any business open to the public, there are other typical small business risks to consider.
Having the right insurance for your indoor playground is essential to safeguard against potential threats. What are some scenarios that might occur, requiring insurance coverage?
1. A child falls from one of the climbing structures in your indoor playground, resulting in a broken arm. The child’s parents file a lawsuit against your business, alleging negligence in maintaining safe play equipment and premises.
2. An electrical fault causes a fire to break out in the main play area of your indoor playground, resulting in smoke damage to the premises and play equipment. The fire also triggers the sprinkler system, causing water damage to the flooring and furnishings. Insurance coverage is necessary to cover the cost of repairs and replacement of damaged items.
3. A visitor to your indoor playground trips over a loose carpet edge near the entrance, fracturing their wrist. They claim that inadequate maintenance and safety measures led to the accident and file a lawsuit against your business for negligence
What Does Play Centre Insurance Cover?
Running a play centre requires a specially tailored insurance policy to safeguard your business and its assets. Here’s what typical indoor playground insurance covers:
Property Protection: Coverage for buildings, contents, property, fittings, fixtures, play equipment, stock, food, drinks, visual and audio equipment, and office supplies.
Liability Coverage: Protection against public, employers, and products liability claims arising from incidents on your premises. This includes coverage for slips, trips, falls, car park incidents, hygiene issues, inadequate signage, cuts from chipped plates, choking on food, and injuries to children in care.
Additional coverage options you can add to a policy include:
- Loss of license
- Employee dishonesty
- Terrorism
- Glass, canopies and signage
- Money
- Goods in transit
Is There A Difference Between Play Centre Insurance And Indoor Play Centre Insurance?
Each play centre is different and needs customised insurance based on its specific business, equipment, and activities.
If you have a kids’ play centre, an insurance policy is important. It should be suitable for your needs and give you confidence to run your centre, whether it is indoors or outdoors. This applies to family entertainment centres, indoor child centres, and stay and play cafes.
How Much Does Coverage Cost?
The average price for a comprehensive play centre insurance premium usually starts from around $1,000. The cost of a play centre can vary depending on different factors. These factors include the location, size, number of employees, coverage needed, activities offered, safety measures, and claims history.
Finding the Right Indoor Playground Insurance from Gym Insurance HQ
Looking for comprehensive insurance coverage for public spaces like Sports & recreation – Indoor Child Centre Gym Insurance HQ specialises in commercial insurance and is here to assist you.
Our team evaluates your risks and needs, creating insurance plans that provide the best coverage at affordable rates. Choose Gym Insurance HQ for peace of mind and reliable protection. Contact us now at 1300 815 344 for a quote and to secure proper insurance for your business.
