Bouncy Castle Insurance
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Why Compare Bouncy Castle Insurance With SimplyQuote?
Running a bouncy castle business, or organising one for an event, is stressful enough as accidents can happen in the blink of an eye.
Finding more affordable bouncy castle insurance shouldn’t add to your stress.
That’s why SimplyQuote has designed the 100% free, online, comparison tool which streamlines the process in a matter of minutes.
Simply fill in your details on the online form, click “compare” and you can bounce away with your new insurance policy!
What Do You Need To Get A Bouncy Castle Insurance Quote?
Please provide the following details for a bouncy castle insurance quote:
- Personal details – name, contact info, UK postcode
- Business details – company registration info, VAT details, number of employees
- Nature of business – part- or full-time bouncy castle operator
- Insurance details – the cover you are interested in
Why Do You Need Bouncy Castle Insurance?
Bouncy castles can be lots of fun. We associate them with kid’s parties and fun days out in the sun with our friends and families.
Sadly, there is also a dark side to bouncy castles – to both the owners of the rental companies as well as the people enjoying them for the day. That is because injuries can happen.
Whether you are the owner of a bouncy castle business or planning an event where there will be a bouncy castle, you should consider bouncy castle insurance.
With a good insurance policy, you can rest assured that you will be covered should any injuries or accidents occur.
Who should consider bouncy castle insurance?
- You own a company that rents bouncy castles or inflatables to the public.
- You are planning an event where there will be a bouncy house or other inflatables.
What Does Bouncy Castle Insurance Cover?
This is what most bouncy castle insurance policies cover:
Public liability insurance
Public liability insurance will pay for any legal fees or compensation claims made against you/your company if the injured third party sues you for damages or injury.
For instance, bouncy castles can get punctured and collapse, or get blown over in strong winds, which could result in moderate to severe injuries to those playing on them.
Public liability insurance is crucial for bouncy castle companies as the biggest risk to your company is an accidental injury to a member of the public.
Note: Not all insurance companies will sell public liability insurance to owners of bouncy castle companies because of the high risk of injury in this company. Those that do provide this cover may include specific policy endorsements, stipulating certain precautions you should keep in mind.
Employers’ liability insurance
Employer’s liability insurance is a legal requirement if you have any employees working for your company. This includes part-time and casual employees.
This insurance will cover any legal fees or claims against you if an employee becomes injured or suffers any damages due to the work they do for your company.
Product liability cover
Product liability insurance is great if you sell bouncy castles and inflatable equipment as part of your day-to-day business.
This means you will covered if you sell a defective/faulty piece of equipment that results in the buyer sustaining injury. It covers all legal costs if they decide to sue you.
Professional indemnity insurance
This is similar to public liability insurance but is specifically aimed at bouncy castle operators/business owners. It protects you and your business if you make a mistake (that results in accidental damage/injury) when rendering your services.
Equipment cover
Without your inflatables, you can’t run your business. This type of cover will ensure that you have the means to replace your equipment before suffering a financial loss from being unable to operate.
When your equipment gets stolen (for example, if it disappears from a client’s home), this cover will be able to replace your equipment without you having to pay out of pocket.
Note: Most insurance companies will consider the age and condition of your inflatables when a claim occurs, as older bouncy castles are more likely to break or get damaged when used.
How Can You Protect Your Bouncy Castle Business?
There are several steps that bouncy castle business owners can take to ensure their business is protected from financial loss due to claims, theft, damages or injuries to third parties.
- Event cancellation insurance – you will be covered when an event gets cancelled, and you have lost money due to expenses already paid or a loss of income.
- Business interruption cover – helps cover any expenses while your business is temporarily closed. For instance, your business premises flooded and all your equipment was damaged.
- Business equipment cover – covers the replacement cost of new equipment should you experience theft or malicious damage. For instance, a child intentionally stabs the bouncy castle with a sharp object.
- Seek advice – consider chatting to an insurance company or broker if you’re unsure of what type of cover you need for your bouncy castle business.
What Insurance Would You Need If You’re Organising A Bouncy Castle Event?
There are two main types of cover you need when organising an event with a bouncy castle:
- Public liability insurance – protects you if guests hold you liable for any injuries while at the event.
- Personal liability insurance – similar to a public liability insurance policy, but aimed more specifically at you, the event coordinator.
Pro tip: Chat with an insurance broker to discuss your specific needs.
What Are The Types Of Bouncy Castle Insurance?
There are no types of bouncy castle insurance in the UK, as this is a type of public liability insurance in itself.
Bouncy castle business owners are not yet required by law to have an insurance policy in place but it is highly recommended to have!
What Add-Ons Are Available For Bouncy Castle Insurance?
Here are a few optional add-ons you can add to your bouncy castle insurance policy:
Business interruption insurance
compensates you during times of business closure, for example, if your bouncy castles are damaged and you can’t rent them out.
Commercial vehicle insurance
ensures your work van/vehicle is sufficiently covered.
Commercial property insurance
protects business premises.
Tools cover
covers the replacement cost for loss, theft or damaged tools.
Legal expenses cover
extra legal protection when taken to court (or when you take someone to court).
Personal liability insurance
if you (the owner) sustain any injury or you are hosting an event at home.
How Much Does Bouncy Castle Insurance Cost?
The average price for a basic bouncy castle insurance policy (for a start-up) is approximately £300 per year.
What influences insurance prices?
- Age/condition of bouncy castle equipment
- Frequency of usage
- Equipment value
- The safety of your equipment
- Security of equipment
- UK location
- Claims history
How Can You Get Cheaper Bouncy Castle Insurance Rates?
Here are a few ways to reduce your bouncy castle premiums:
- Compare quotes from numerous insurers with SimplyQuote to find the best deal.
- Regularly service bouncy castles to ensure they are in tip-top condition.
- Provide additional staff training to ensure they understand the risks involved.
- Don’t procrastinate on repairs, fix holes and punctures ASAP.
- Don’t employ too many employees as the more staff you have, the higher the policy price.
- Keep business premises secure, consider CCTV systems, security gates, etc.
- Maintain business vehicles to prevent premature breakdowns.
- Opt for annual payments instead of monthly instalments.
- Only add the optional extras you need to avoid unnecessary expenditure.
- Regularly check on the kids using the equipment and (politely) tell them to stop rowdy behaviour to prevent injuries or damage.
How To Compare Bouncy Castle Insurance With SimplyQuote?
Comparing bouncy castle insurance with SimplyQuote is simple and stress-free:
- Fill in the quick questionnaire with a few details about yourself and your business.
- Choose the optional add-ons you want to include.
- Quickly compare quotes with SimplyQuote’s online, comparison tool.
- Save money and find an affordable policy today.
Frequently Asked Questions
Bouncy castle insurance is a type of public liability insurance specifically aimed at bouncy castle businesses. If you’re hosting a party at home (with a bouncy castle and inflatables in tow) you can also opt for this kind of cover.
No, insurance is not a legal requirement for bouncy castle/inflatables business owners in the UK. However, getting bouncy castle insurance is a great idea if you are hiring out your inflatables to the public, as it will protect you financially in the case of an accident or injury to a third party.
Public liability insurance is not a legal obligation for bouncy house businesses, but it will be a good idea as the risk of injury to your clients using the bouncy house is relatively high.
Yes, bouncy castle insurance is important, in our opinion. It’s essentially a public liability insurance policy that protects you/your business against third-party claims should someone get injured when using your equipment.