Looking for Indoor Playground Insurance?
Protect your play facility from child injuries, equipment damage, liability claims, and premises accidents. Get coverage for indoor playgrounds, play centers, and children's entertainment facilities.
What is Indoor Playground Insurance?
Indoor playground insurance protects children's play facilities from financial losses related to child injuries, equipment failures, supervision claims, and property damage. Coverage typically includes general liability, equipment protection, and abuse/molestation coverage. Landlords, municipalities, and permitting authorities often require proof of insurance before leases or operating approvals.
Child Safety Liability
Covers injuries to children occurring on play equipment, climbing structures, inflatables, or designated play areas.
Equipment Protection
Covers play structures, trampolines, inflatables, ball pits, and entertainment equipment against damage or mechanical failure.
Abuse & Molestation Coverage
Protects against allegations of abuse, neglect, or inappropriate conduct involving children.
Property Protection
Covers the facility itself, flooring, seating areas, and party rooms from covered damage.
Certificates
Fast proof of insurance for landlords, municipalities, and parent organizations.
Who Needs Indoor Playground Insurance?
- Indoor playgrounds : Play facilities with climbing structures and activity areas
- Play centers : Entertainment venues for children
- Children's entertainment facilities : Indoor fun centers and party venues
- Party and play venues : Birthday party and event spaces
Why Harper?
Children's Facility Expertise
Harper understands the higher-risk nature of indoor playgrounds, including injury exposure, equipment use, and supervision requirements.
Fast Proof for Leasing and Permits
Landlords and municipalities often require enhanced coverage for children's facilities. Harper delivers compliant certificates quickly.
Clear, Straightforward Explanations
We clearly explain how liability, equipment coverage, and abuse protection apply in real playground scenarios.
Coverage Tailored to Your Operations
Whether you offer open play, birthday parties, classes, or food service, coverage is aligned with your facility's activities.
Frequently Asked Questions
What insurance do indoor playgrounds need?
Most facilities need general liability for child injuries, equipment coverage for play structures, abuse and molestation coverage, and property insurance. Workers' compensation is required if you have employees.
Is indoor playground insurance required?
Yes in most cases. Landlords require liability coverage, and municipalities may mandate specific coverage to issue operating permits for children's facilities.
How much does indoor playground insurance cost?
Small play centers typically pay $3,000–$8,000 annually. Larger facilities with trampolines or extensive equipment may pay $8,000–$20,000+.
Does insurance cover trampoline injuries?
General liability can cover trampoline-related injuries when safety measures, supervision, waivers, and maintenance protocols are properly followed.
Does insurance cover equipment failures?
Equipment coverage protects against mechanical failures or damage. General liability applies if an equipment failure results in injury.
Can landlords be added as additional insureds?
Yes. Lease agreements commonly require this. Harper handles certificates and endorsements to meet landlord requirements.