Bouncy Castle Insurance Advice for Charities
One common question we are asked by community groups is how to protect themselves if they are planning to have events that involve bouncy castles.
Advice on how to insure a bouncy castle can vary from situation to situation but some common themes crop up in our conversations with our non profit customers.
First of all, if a third party is providing the bouncy castle then they should be providing you with evidence of public liability insurance and a bouncy castle company would be used to requests to see this insurance! However, it is worth ensuring that they are also manning the bouncy castle. If a volunteer or member of staff of the charity supervises, then it exposes the organisation to risk as improper supervision could be seen as the organisations negligence.
We have had arranged insurance for community centres / village halls who either have or are considering acquiring their own bouncy castle. There is no doubt about it, a bouncy castle can be a great asset for a community group. If you hire your village hall out for children’s parties, it is a great draw to be able to offer a bouncy castle.
In these instances, some insurers, even charity specialists will not offer any cover. This is simply because there is a risk of bad injury if not managed properly.
We work with a number of specialist charity insurers and can source cover for inflatable equipment. It will carry a policy endorsement which dictates some of the processes and precautions you must take. We have provided a sample below which asks for reasonable precautions such as ensuring safety matts protect children falling onto hard falls and similar sizes of children are using the equipment preventing some of those banged heads that can occur.
Inflatable Equipment Endorsement
The Insured shall ensure that, if any bouncy castles or similar inflatable equipment are hired and/or used by the Insured, then the following precautions must be observed at all times:
- the equipment must be used in accordance with the manufacturer’s instructions including maximum load recommendations;
- the equipment must be fully supervised by two responsible Person Employed;
- whilst inflated the equipment must be fully secured to the ground at all times;
- all users shall remove their footwear and any other sharp object prior to use;
- impact absorbing mats are to be positioned at the open side of the inflatable equipment;
- no person under the age of two or over the age of fourteen shall be allowed to use the equipment;
- children of different ages and sizes should not be mixed