What insurance cover does a softplay centre need?
There are three principle areas that you will need to look at when insuring your soft place centre. These are:
Building, contents, fixtures and fittings (your play equipment)
No matter whether you are based in an older building that has been adapted to meet your needs, or in a purpose built industrial unit, the building itself will need to be insured. It’s likely to be a contractual requirement where you have a mortgage. Your play equipment will have been designed to work in the space that you have and you’re likely to have invested heavily in its design and build. It’s the cornerstone of your business and should be insured appropriately. Specialist equipment may require special parts or skilled installation which also needs consideration in the form of business interruption cover.
Stock, food and drink, IT and office equipment as well as audio and visual kit
Outside of door entry, you will rely on your café selling food and drink as well as catering for special occasions like birthdays to drive revenues. Use of expensive audio visual equipment to give the right atmosphere is pretty much expected. Any or all of these facilities are core to your business and could be expensive to repair or replace were something to go wrong.
Liability cover for play centres
You have members of the public – your customers – coming to your premises to enjoy clambering around. Play can get boisterous and even with well designed soft play equipment and vigilant staff things can go wrong. In an increasingly litigious world, claims do get made. Public Liability protects you from legal costs when someone alleges that they have become unwell, injured or otherwise suffered a loss as a consequence of your business activity.
Employers Liability for soft play is compulsory, as it is for any UK business that has employees. The minimum amount of cover is £5m. It protects you from claims in a similar way to PL, but in the event that a worker makes a claim.