Specialist Inflatable Insurance for Hire Businesses
Specialist commercial insurance for businesses that own and hire out inflatable play equipment, from traditional bouncy castles and slides to obstacle courses, bungee runs and other leisure attractions.
- Public Liability options
- Employers’ Liability options
- Cover for eligible inflatable equipment
- Goods in Transit options
What is Inflatable Insurance?
Inflatable Insurance is commercial insurance designed around businesses that own, hire out or operate inflatable play equipment. It can combine several types of protection rather than relying on a single generic policy.
Inflatable hire businesses can have several exposures at the same time: customers and members of the public using the equipment, staff setting up and collecting attractions, valuable inflatables being transported between venues, and equipment being stored between hires.
Peacock’s existing Inflatable Hire Insurance proposition includes access to specialist schemes that can combine Public Liability, Employers’ Liability, equipment protection and other options depending on the business and the activities declared.
Whether you operate a small number of inflatables or a larger portfolio of leisure attractions, the important part is making sure the insurer knows exactly what you own, what you hire out, how it is operated and where it is used.
What cover can an inflatable hire business need?
The right combination depends on the equipment you operate, how you hire it, the people working for you and the limits required by your customers or venues.
Public Liability Insurance
Public Liability Insurance can protect against insured claims made by customers, venue users or other third parties following injury or property damage connected with your inflatable hire activities.
Your current Peacock product information refers to Public Liability options up to £5 million. The limit you need should reflect the size of the operation and any minimum requirements imposed by customers, venues or contracts.
- Can respond to eligible third-party injury claims.
- Can respond to eligible third-party property damage claims.
- Policy conditions relating to set-up, supervision and operation must be followed.
Employers’ Liability Insurance
If you employ people, Employers’ Liability Insurance is generally compulsory in Great Britain, subject to limited statutory exemptions. This can include staff who deliver, install, supervise or collect inflatable equipment.
Temporary, casual or seasonal workers can still affect your insurance requirements, so describe the working arrangements accurately when requesting a quote.
- Separate from Public Liability Insurance.
- Employee status should be disclosed accurately.
- Most employers are legally required to carry this cover.
Inflatable Equipment & Material Damage
Your inflatables can represent a significant investment. Depending on the policy selected, cover can be considered for insured loss or damage to eligible owned equipment.
Peacock’s current product information specifically refers to material damage risks such as theft, accidental damage and malicious damage, subject to the insurer’s terms, conditions and security requirements.
- Select realistic replacement values.
- Check storage and security requirements.
- Individual item limits, excesses and exclusions may apply.
Goods in Transit
Equipment is often most exposed while being moved between storage, customer sites and venues. Goods in Transit cover can be considered for eligible insured equipment while it is being transported.
Transit cover can be subject to vehicle-security conditions, unattended vehicle exclusions, overnight restrictions and maximum limits, so these should be checked carefully before relying on the cover.
- Useful where equipment travels regularly between venues.
- Vehicle and overnight-storage conditions can apply.
- Only declared and eligible property should be assumed to be insured.
What types of inflatable equipment can be considered?
Inflatable Insurance can extend well beyond a traditional bouncy castle. Peacock’s existing product information lists a broad range of inflatable and leisure attractions that specialist schemes may consider, subject to insurer acceptance.
Some apparatus, particularly mechanical rides or attractions outside the scope of standard inflatable play equipment, may require separate underwriting or a different policy section. Always list every activity you operate.
Get a Quote for Your Equipment →Insurance works alongside safe operation
Health and safety law applies to the commercial supply, hire and use of play inflatables. Insurance does not replace the duties that apply to owners and operators.
Testing & annual inspection
HSE guidance says owners or those making play inflatables available for use are responsible for initial testing where applicable and an annual inspection by a competent person. PIPA and ADIPS are recognised inspection schemes.
Wind conditions
HSE says no play inflatable should be used in winds above 24 mph (38 km/h), and the manufacturer may specify a lower limit. Outdoor operators should use an anemometer and record readings.
Anchoring & pressure
The inflatable should be secured using the required anchor points and set up in accordance with the operator manual. Blower performance and inflation pressure should also be checked before and during use.
Supervision & monitoring
HSE guidance calls for constant supervision by at least one suitably trained person and ongoing checks of user limits, anchoring and operating conditions.
What affects the cost of Inflatable Hire Insurance?
There is no single price that applies to every inflatable hire business. Insurers assess the individual operation and the cover requested.
Why choose Peacock?
Peacock arranges commercial insurance for leisure and hire businesses and has access to specialist schemes for inflatable hirers and operators.
How to get an Inflatable Insurance quote
Provide details of your equipment, activities, turnover, staff, transport arrangements and the cover you need.
Your information can be considered against suitable insurer schemes available to Peacock.
Check the premium, limits, terms, conditions and exclusions before deciding whether the policy meets your needs.
What our customers say
Recent customer feedback for Peacock Insurance Services.
“Fantastically helpful and efficient.”
“He was quick and efficient.”
“A good experience.”
“Very helpful and knowledgeable customer service agent.”
Inflatable Insurance FAQs
Common questions about insurance for UK inflatable hire businesses and operators.
What insurance does an inflatable hire business need?
What is Inflatable Public Liability Insurance?
Can I insure more than bouncy castles?
Can my inflatables be covered for theft or accidental damage?
Can inflatable equipment be covered while in transit?
Do commercially hired inflatables need annual inspections?
What is the maximum wind speed for operating an inflatable?
Do I need Employers’ Liability Insurance for casual or temporary staff?
Is this insurance suitable for someone privately hiring an inflatable?
Get a quote for your inflatable hire business
Tell us about the inflatables and attractions you operate, how your business works and the cover you need to start your quotation.
Get an Inflatable Insurance Quote →