Types of cover
You can choose from a selection of covers that address commonly encountered risks to give your soft play business the most comprehensive protection.
Public liability
If a faulty piece of equipment hurts a child, a customer slips on a spill in your premises and injures themselves, or a damaged piece of equipment rips a parent's designer jacket, you are liable to pay the associated costs. Public liability helps you pay compensation, medical bills, and legal fees in such scenarios.
Employer’s liability
Suppose a staff member claims they became ill or injured due to their employment. In that case, you can defend the claim and cover any compensation and medical costs with employer's liability cover.
Product liability
The savvy soft play centre owner knows that a shop selling toys and equipment can be very profitable. Product liability cover protects you against claims for injury or damage relating to a product you sell from your premises.
Business interruption
If your soft play is forced to close for unforeseen circumstances, you can quickly accumulate significant losses. Business interruption cover compensates you for lost revenue, helping you keep the business afloat.
Property damage and theft
This protects your valuable soft play equipment, IT, and stock against damage and theft, so you're not left out of pocket.
In addition to these core soft play business insurance covers, you may also benefit from the following:
- Goods in transit
- Money cover for cash on the premises
- Stock, food, and drink cover
- Fixtures and fittings cover
It's important to note that general wear and tear of your play equipment and contents won't be covered, so regular maintenance is a must. Pest damage isn't covered as standard, and if you're a mobile operation, you won't be covered for thefts from unlocked vehicles.
FAQs
Do I need soft play insurance if I only hire out for events?
Insurance is still advisable to protect your equipment from theft and damage and to deal with third-party claims relating to your business.
Can I add additional entertainment activities to my insurance?
If you expand your equipment range and start offering new activities, let your insurer know so they can amend your policy accordingly. This will keep your new equipment safe and ensure that levels of cover are set to reflect the new purchases and any associated risks.
Park Insurance has been tailoring bespoke specialist insurance policies for over thirty years. We take the time to learn all about your soft play business, curating a collection of covers that offer the level of protection you need.