Pubs, in particular those in the country, are likely to have an outside children’s play area. Things have moved forward from the “good” old days when a children’s play area was a sandpit in the corner of the garden.
Publicans and the licensed trade have moved on a great deal and many establishments are proud to be family friendly.
Becoming family friendly however does come with certain additional risks. These additional risks, if managed correctly, should not come to anything. Part of the management process for these risks is to make sure that your pub insurance policy is suitably endorsed to note that you may have a children’s climbing frame or play equipment.
You will find when looking for public house insurance that you will be asked if you have a children’s play area. The insurers will be looking for details as to who installed it, how old it is, is it maintained, do you have warning or “advice on how to use” signs and importantly what type of equipment it is.
There are reasons that insurers will ask this information. These reasons are to best protect the publican in the event of a claim. Whilst the vast majority of parents are purely concerned about their offspring’s safety, there are a small minority who will also worry about sticking a quick claim in, whether you are to blame or not.
Tags: pub insurance, public liability