Bouncy castle insurance for safe events
Bouncy castle insurance from a panel of trusted UK insurers
Insure your bouncy castle business for liability with zero hassle
As a bouncy castle operator, you are responsible for transporting and setting up equipment, ensuring it is safe for public use, supervising participants, and managing potential liabilities related to injuries, damage, or employees, all of which require insurance cover.
In partnership with some of the leading UK insurers, we’ll not only get you a better bouncy castle insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
As a specialist insurance broker, we search our panel of leading UK insurers to find the right policy for your bouncy castle hire business.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a bouncy castle liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is bouncy castle insurance?
Bouncy castle insurance is a public liability policy that protects inflatable hire operators against claims for injuries or property damage that occur during the set-up, use, or dismantling of bouncy castles. It ensures financial protection for businesses working with large inflatable equipment and operating in public or private spaces.
It covers a range of scenarios where your bouncy castle hire business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to bouncy castle hiring for several reasons:
- Business reputation: Insurance assures customers and event organisers that you take safety and risk management seriously.
- Financial protection: Accidents such as falls, equipment failure, or property damage can result in claims, which insurance helps cover.
- Client Requirements: Customers and venues often require proof of insurance before allowing set-up on their premises.
The benefits of a bouncy castle insurance policy
Personal injury claims
Bouncy castle insurance protects you if a child or visitor is injured while using the inflatable, such as falling or colliding with others.
Damage to property
This insurance ensures you’re covered if you accidentally damage a customer’s property, such as turf during set-up or scratch a floor during indoor installation.
Legal protection
Bouncy castle insurance covers legal fees for defending your business against claims, whether or not you’re at fault.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does bouncy castle insurance cost?
This depends on the nature and size of your bouncy castle business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
Cover levels, typically starting at £1 million, affect premiums. Higher limits may be needed for events, schools, or council-approved work.
Nature of business
Premiums may be higher for operators offering more complex equipment, such as obstacle courses, slides, or mechanical rides.
Location
Where you operate can also influence premiums, with busy urban areas or locations with higher footfall often increasing the cost.
Business size and turnover
Businesses with a high volume of bookings might face higher premiums, reflecting the increased usage and associated risk.
Number of employees
If you employ staff members to assist with deliveries, set-ups, or supervision, this can raise your premium due to the exposure to claims.
Claims history
A claims history can influence pricing; operators with a clean record often secure lower premiums as they’re seen as a lower risk.
Bouncy castle insurance frequently asked questions
When do I need to get bouncy castle public liability insurance?
As soon as you start operating inflatables at events for paying clients. Bouncy castles and inflatables carry significant injury risks, and a single incident involving an injured child or adult could result in a very substantial compensation claim. Cover should be in place before you transport your first inflatable to an event.
Is bouncy castle public liability insurance a legal requirement?
No — it isn't a legal requirement in the UK. However, virtually every venue, event organiser, and local authority will require proof of insurance before allowing you to set up. Without it you'll be unable to trade at most events, and personally exposed to claims that could be financially devastating.
What does bouncy castle public liability insurance actually cover?
It covers compensation claims and legal fees if a member of the public is injured or their property is damaged as a result of your inflatable operations. Common examples include a child being injured while using a bouncy castle under your supervision, a member of the public being injured by an inflatable that hasn't been properly secured, or damage to a venue's property during setup, operation, or takedown. It covers both the compensation payment and your legal costs, even if a claim turns out to be unfounded.
What isn't covered by bouncy castle public liability insurance?
Public liability insurance covers claims from members of the public — it doesn't cover damage to your own inflatables and equipment (you'd need equipment cover for that), claims from your own employees (that's employers' liability), or incidents caused by allowing use outside of the specified weight or age limits. Always supervise your inflatables properly and follow manufacturer safety guidelines at all times.
Am I covered if a child is injured on one of my bouncy castles?
Yes — if a child or adult is injured while using a bouncy castle you're operating, public liability insurance covers the resulting compensation claim and legal costs. Bouncy castle claims can be significant in scale, and operators without adequate insurance face serious financial exposure. Proper safety supervision, enforcing age and weight limits, and monitoring weather conditions are all essential to reducing risk.
What limit of cover should I choose?
Given the injury risks associated with inflatables, higher cover levels are strongly recommended. Standard cover starts at £1 million, but most event organisers, local authorities, and venues will require a minimum of £5 million for bouncy castle operators. We'd recommend £5 million as a minimum for this type of business.
Is public liability insurance tax deductible?
Yes — business insurance is an allowable expense, which means you can deduct the cost when calculating your taxable profit. Make sure you keep your policy documents and receipts as records for HMRC. If you're unsure, speak to your accountant.
Do you provide evidence of cover?
Yes — you'll receive proof of cover instantly when your policy is in place, which you can share with event organisers and venues straight away. If you also take out employers' liability cover, a Certificate of Employers' Liability will be issued immediately.
Why can I trust insurd?
We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.
You can verify our status directly on the FCA register.
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