We have seen a rise in playing out groups – Kids reclaiming the streets is a great idea! We would advise on taking insurance advice though and the council might insist on cover if you are putting in place a road closure. We can help your group with play out insurance needs.
Play Out Insurance
We have organised insurance for may playing out groups and at Ladbrook, we think they are a wonderful idea.
It is very healthy for children to play out, there are great social values to be learned. To do so while the street is closed changes the environment and makes for a fantastic bit of fun.
Particularly in city centre environments, the opportunities to play out can be limited. What an opportunity to meet the neighbours too!
Insurance and Risk for Playing Out Groups
While playing out groups represent a fairly safe environment, some things could go wrong.
If a neighbour made an allegation of damage to property and specifically took action against the group, you would be glad of public liability insurance.
If a child was injured, it is unlikely that the group would be blamed as play is supervised in most cases. If you plan on unsupervised play, make sure your insurer is aware as this could increase the risk considerably. We would advisel your group not to take responsibility for supervision in your playing out group.
Often the council will ask your group to provide insurance as part of the road closure. these requests might be for £5,000,000 of cover. Discuss any insurance demands placed upon you and we will make sure you can meet them.
Single Session / Multi Session
Economically, insurance for a single playing out session is going to be relatively expensive. Playing out groups tend to be at the lower end of the insurance premium scale and sometimes at the minimum premium level. At that level, it is clearly more economic if an annual policy might cover, for example, ten play out sessions in the year.
If you are looking for play out insurance, contact us today and see if we can support you.