The Bouncy Castle insurance can also include all types of inflatable leisure activities such as:
- Obstacle or Assault Courses
- Pole and Gladiator Jousting
There needs to be three types of main cover afforded by the scope of this policy.
Damage to Equipment
This section of the policy deals with the in actual good sleep and fabric of the inflatable Bouncy Castle, it’s securing guy ropes and the motor unit used to pump air into the fabric shell in order to keep it inflated.
The minimum level of cover for this item would be for the risk of Fire but can be extended to include both Theft and Accidental Damage.
Similar cover would be available for the equipment involved in other inflatable leisure activities, such as those mentioned above.
Public Liability Cover
This is essential since it is the members of the Public who would be using the inflatedBouncyCastle.
This section of the insurance policy is intended to protect the Owner/Operator of the Bouncy Castle for any claims made against them by members of the Public, in relation to say Injury, Illness or Damage caused by the negligence or otherwise, of that Owner/Operator.
It is usual to offer a selection as to the level of Liability Cover that maybe afforded by this section of the policy. This should be decided after taking into consideration the number of potential customers using the facility per day, coupled with the number of days per year that the facility is plying for trade.
It should not be forgotten that even if the facility is only used for say a children’s party at a private house, those children using the facility are still deemed to be “members of the public”. Therefore this policy extension should not be excluded in the overall scope, even if the Owner/Operator only trades in this sort of venture.
Employers’ Liability Cover
This extension of the policy should be included when the Owner/Operator employees additional members of staff to assist in operating the facility. This would include but not necessarily limited to, staff involved, part-time or otherwise, in assembling the equipment at the beginning of a session and then dis-assembling at the finish.
Once again, this extension is to protect the Owner/Operator for any potential claims that may be made against them by employees during the course of their employment.
Most Bouncy Castle ventures, as indeed similar inflatable activities, are operated on a very part-time basis. This does not however, reduce the risk of damage to the equipment or possible injury to customers, since the possibility of both are present no matter how long the actual Bouncy Castle is in operation.