CH. Bouncy Castle Insurance/PL Insurance?

blue_monkey_2

I wonder if anyone can help.

Our PTFA is thinking about buying a bouncy castle for events such as fetes as we usually pay to hire one on these days.

The PTFA has PL Insurance.

We was thinking of renting the castle & blower out for, say, £40 a day with it being the responsibility of the hirer and letting them collect/return inflate/deflate it themselves.

Does anyone know whether we would need any sort of additional special insurance at all.

Thanks.

Savvy_Sue

Best thing would be to ask your insurer - you may find they're not that keen on bouncy castles full stop!

You might also want to consider whether to insure loss of income if someone returns it damaged. And bear in mind the work required in handing it over and getting it back ...

blue_monkey_2

Thanks yes, all this has been discussed but was wanting to see whether there was anything else we had been missing really, I wonered if any other PTFA's have one. I think I should have asked it on the Insurance board as well though.

Dangermac

blue_monkey wrote: »

I wonder if anyone can help.

Our PTFA is thinking about buying a bouncy castle for events such as fetes as we usually pay to hire one on these days.

The PTFA has PL Insurance.

We was thinking of renting the castle & blower out for, say, £40 a day with it being the responsibility of the hirer and letting them collect/return inflate/deflate it themselves.

Does anyone know whether we would need any sort of additional special insurance at all.

Thanks.

You will need to discuss with the PTFA's insurer. Effectively, you will be acting as a bouncy castle operator, which is pretty high risk. The insurance policy's business description will probably need amending to incorporate this.

Be careful with this, as there will be a residual legal liability on the PTFA even although you are trying to get the hirer to take the responsibility.

In my opinion, as a PTFA, you ought to give this a wide berth. Too much risk v reward