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Leisure Equipment Cover for a Bouncy Castle Business

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Why Compare Bouncy Castle Insurance At MultiQuoteTime.co.uk?

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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 nationwide service, public liability insurance should be included as a cost within your business plan.

MultiQuoteTime provides you access to a wide range of leisure insurance providers, including the leading names in the UK insurance sector. Getting multiple quotes has never been easier!

Common causes of accidents

Bouncy castle insurance claims can arise from various incidents, including:

Children colliding inside the castle or while using an inflatable device.

High wind conditions send the castle or other inflatable tumbling out of control driven by the wind.

The castle or inflatable deflates, causing a child to land on a hard surface causing the injury.

Poor anchorage of the castle or inflatable causing it to overturn when children are using it causing an injury.

Ropes used for anchoring the castle or inflatable are tripped over by either a child or an adult.

Bouncing out of the castle or off the inflatable, causing the child to hit a hard surface on the exterior of the device.

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 is Bouncy Castle Public Liability Insurance?

Bouncy castle public liability insurance provides cover for claims of property damage or personal injury from third parties. This is 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. When it comes to public liability insurance, make sure your cover is sufficient and take advice from your insurance provider. Accidents that involve Inflatables can and often do result in serious injury or injuries. This can result in expensive compensation claims, especially if more than one person is hurt.

Each public lability 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.

Who Needs Bouncy Castle Insurance?

Bouncy Castle Public liability insurance may be required and in some cases may be a stipulated as a requirement for those that

Hire out inflatables including bouncy castles

If you are organising an event such as a school fair or children garden party where inflatable toys will be used .

Inflatables like bouncy castles are great fun for kids, but they also pose real dangers, back in 2012 10,000 accidents were recorded and more recently it was found that many providers of inflatables failed to maintain them to the required safety standard.

How much does Bouncy Castle Insurance cost in the UK?

A small or start-up business can expect to pay, on average, £300 – £350 per year, but the actual cost will depend on a number of factors, including those details below.

What factors influence the cost?

Claims history

Size of business

Location of business

How frequently you hire out leisure equipment to the public

Value of soft play or other equipment used in your business

* Level of public liability required

Security of any premises and equipment

* 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 to participate in local events. For example, Burnley require 10 million public liability insurance, others 5 million public liability insurance.

What extras can be added to bouncy castle insurance?

Below are a few optional add-ons you can add to your bouncy castle insurance policy:

Business interruption insurance

If your equipment is damaged or stolen, this type of cover will help compensate for any lost income as a result. Limitations and conditions always apply, so please check the small print.

Legal expenses cover

Claims can lead to litigation, and fees can quickly mount. Having legal protection cover in place will provide you with the financial backing required to litigate any claim

Commercial property insurance

Cover for your commercial property or business premises

Examples of Apparatus Cover Available Include:

Inflatable Slides Insurance

Bouncy Boxing Insurance

Assault courses Insurance

Inflatable Bar Fly Insurance

Inflatable Bungee Run Insurance

Velcro Olympics Insurance

Bouncy Boxing Insurance

Pole Joust Insurance

Inflatable Bar Fly Insurance

Inflatable Bungee Run Insurance

Inflatable Slides Insurance

Penalty Shoot Out Insurance

Rodeo Bulls (For both adults and children)

Unclimbable Ladder Insurance

Gladiator Joist Insurance

My Apparatus is not listed: The list would be too long, rest assured insurance quotes are available If you can bounce on it

Minders should keep a watchful eye at all times

The most important tip is to be vigilant, 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.

Limit Numbers

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 to play in or on it. Since that is almost unrealistic at a party, 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.

Remove shoes and glasses

All children must remove their shoes, eyeglasses and any object that are hard or have sharp surfaces like jewellery.

Age 6 or above

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.

How to compare insurance for a Bouncy Castle Business at MultiQuoteTime.co.uk

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Frequently asked questions include:

Is cover provided for my Leisure Equipment, example the Bouncy Castle?

Professional bouncy castles are expensive (£1,000 -£3,000), and equipment cover should be considered to safeguard your investment. The cover should protect you against theft of equipment and accidental damage to your equipment.

Do you need public liability insurance for bouncy castles?

Any business that has contact with the public should understand that they can be made financially liable for claims against their business, example injury or loss of property. If you are found liable, you will likely suffer serious financial consequences, especially for injury claims. Public liability insurance will provide you with financial protection in the event of a successful claim against your inflatable hire business

If I hire out bouncy castles or soft play equipement do I need Public Liability Insurance?

If you are hiring out soft play equipment at an event, you will almost always be asked to show proof of insurance. Without it, you may lose business.

If I am hiring a bouncy castle for an event do I need to take out insurance?

No, a good, reputable hire company will should already have have a good level of public liability insurance in place.If you will be hiring soft play equipment, ask the hire company to show proof that they have a good level of public liability insurance. They will be used to such requests and may provide proof without you having to ask. For additional safety, it is also worth asking if they will man the soft play equipment during the event.

Is Soft Play Insurance Available?

If you are opening or operating a mobile play centre, taking out public liability insurance may not be a legal requirement, but any event manager will most certainly insist that you have a soft play insurance policy with public liability before being accepting to participate in such events.

Updated: 27 Feb 2025
Reviewed by Eamonn Turley Insurance Expert