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 is designed to protect 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 to not have a decent insurance policy.
A good play centre insurance policy will potentially save your business from significant financial and reputation damage if there was ever an accident, incident, or claim made against you or your staff.
It can also save you a significant amount of money in legal fees in the event that one of your staff has an accident while working and files a claim.
Is there a difference between play centre insurance and indoor play centre insurance?
Every play centre is unique and the insurance cover has to be tailored to your particular business, the equipment you have and the activities you do.
Whether you run an indoor or outdoor play centre, family entertainment centre or stay and play cafe, an insurance policy is designed so that it is ‘fit for purpose’ and meets all of your needs so that you can run your play centre with confidence.
How much does coverage cost?
The average price for a comprehensive play centre insurance premium usually starts from around $1,000.
What are the general inclusions/exclusions?
A play centre insurance policy covers a wide range of activities such as children’s birthday parties and food served at a play centre canteen.
There are various exclusions, but this is contingent on the type of equipment you have in the play centre and the activities you offer.
There are additional coverage options you can add to a policy such as:
- Loss of license
- Employee dishonesty
- Glass, canopies and signage
- Goods in transit
Finding the Right Coverage
If you operate a play center and are seeking insurance coverage, we strongly encourage you to connect with insurance providers who specialise in this area. They possess the necessary knowledge to offer comprehensive policies that address the unique challenges and liabilities associated with play centers.
Contact Us for Further Assistance
Should you have questions about our insurance services or require guidance on other aspects of insurance for your gym or fitness center, please don’t hesitate to reach out to our team. Give us a call on 1300 815 344. We are dedicated to assisting you in any way we can and can provide recommendations for finding suitable insurance solutions.