Playground Equipment Insurance – Lowering the Risk

Playgrounds are an essential part of a school. They offer a space for children to play, socialize, and develop their physical skills. However, playgrounds also present a significant risk of injury. According to the National Safety Council, more than 200,000 children are injured on playgrounds every year. As a result, schools need to ensure that their playground equipment is safe and that they have adequate insurance to cover any potential accidents.

The addition of new playground equipment to a school can have a significant impact on its insurance.

In this article, we will explore the various ways in which new playground equipment may affect a school’s insurance and provide tips on how schools can mitigate the associated risks.

  1. Higher Insurance Premiums

First and foremost, it is important to understand that the addition of new playground equipment will likely result in higher insurance premiums. This is because insurance companies consider playgrounds to be high-risk areas. The more equipment a school has, the higher the risk of accidents occurring, which translates to a higher likelihood of insurance claims being filed.

When a school adds new playground equipment, its insurance company will assess the potential risks associated with the equipment. This will include factors such as the type of equipment, the age group it is intended for, and the condition of the equipment. The insurance company will then use this information to determine how much the school’s premiums should be increased.

2. Compliance

Another factor that can impact a school’s insurance when it comes to playground equipment is compliance with safety regulations. Schools are required to follow certain safety standards when it comes to playground equipment, and failure to comply with these standards can result in a denial of insurance coverage.

When adding new playground equipment, schools need to ensure that it meets all relevant safety standards. This includes ensuring that the equipment is age-appropriate, properly installed, and regularly maintained. If a school fails to comply with these standards, it could be held liable in the event of an accident, and its insurance may not cover the associated costs.

3. Supervision

Schools can mitigate the risks associated with new playground equipment by taking proactive measures to promote safety. This includes regularly inspecting the equipment to ensure that it is in good condition, enforcing playground rules, and providing appropriate supervision. In addition, schools can provide training to teachers and staff on how to identify potential hazards and respond to accidents.

When it comes to insurance, schools should also consider purchasing additional coverage beyond the standard liability insurance. For example, schools can purchase excess liability insurance, which provides coverage for claims that exceed the limits of the standard policy. This can be particularly important for schools with large playgrounds or multiple pieces of equipment.

4. Umbrella Insurance

Another option is to purchase umbrella insurance, which provides coverage for a variety of liability risks beyond those covered by the standard policy. This can be particularly useful for schools that have a wide range of potential liabilities, including those associated with playground equipment.

5. Risk Management Plan

In addition to purchasing additional insurance, schools should also consider implementing a risk management plan. This plan should identify potential risks associated with playground equipment and outline steps to mitigate these risks. It should also include a plan for responding to accidents, including how to document the incident and communicate with parents and insurance providers.

When adding new playground equipment to a school, it is important to work with insurance providers to ensure that the school is adequately covered. This includes reviewing the school’s existing policy to determine whether it provides adequate coverage for the new equipment. If necessary, the school should work with its insurance provider to make changes to the policy to ensure that it provides appropriate coverage.


Finally, it is important to remember that the safety of children should always be the top priority. While it is important to have adequate insurance coverage, it is even more important to take proactive measures to ensure that accidents do not occur in the first place. This includes regular maintenance and inspection of playground equipment, appropriate supervision, and clear communication with parents and students about