Insurance for birthday party

[Tee20x]

Hi,

Help please!! Trying to organise daughters 1st birthday party and have located a venue that I like. Have been sent over a contract and in it there is a section on insurance:

4. INSURANCE
• The hirer is required to have in force an adequate insurance policy that covers all the activities that will take place and that extends to include “member to member” liability, and liability for loss or damage to property rented or leased.
• The hirer is responsible for any death, bodily injury or illness and/or for any loss or damage to property sustained by any other party that arises out of the course of the hirer’s activities. The hirer will indemnify the church in respect of any loss, claim or proceedings that arise out of the hirer’s use of the premises during the period of hire.

Can someone explain the first bullet point to me - it's a kids party and we will be having a bouncy castle and soft play area there. Is that something that needs to be covered by insurance??

If so where do you even get it!

Thanks :)

I've never taken out insurance for a birthday party in a hall. Who is supplying the bouncy castle? Might they have insurance against injury while using it?

@dementedpixie perhaps. I'll have to look into it and see before hiring it.

I expect it may be included as the hall can be hired for sports events etc too but must admit I was quite shocked!

Never organised a hall party before - have had a look online and apparently it is a thing. Costs around £60.

Bouncy castle company might require you to be covered by insurance....when we used to hire one for preschool we had to have insurance. But our public liability insurance covered this.

Those clauses seem to mean that the people using the hall with you can't claim from the churches insurance....so if a child spilt a drink on am iPhone.....they can't claim from the church is how I read it....
But as you are hiring for a private party I wouldn't be concerned. They must have their own insurance for the building and public liability.

If you were running an event then there would need to be public liability insurance and disk assessments.
The venue would cover itself, the event organiser would cover themselves with event insurance and any traders would have their own insurance etc
These can cross over each other depending on specifics. When I assist friends trading at events I am insured as volunteer staff, and the public are insured against the traders insurance. (If we use our tables) If event tables are provided then the event or venue becomes liable to the public if a table collapses depending on who provides them

As a private party you won’t have your own insurance in place, but for bouncy castle hire you need to know that the provider has their own insurance

You need to know what the venue is taking as liability for providing the venue and any facilities, plus what your service providers are covered for
If the roof collapses then you don’t want to have accepted liability

I had to get my own insurance when I hired a church hall for my DD’s party.
I used one I found online and it cost £50.
Just checked my emails - it was Hiscox insurance company I used.

No endorsement, but here is an insurer which can quote for one off private events

www.protectivity.com/product/event-insurance/?utm_campaign=PT-E-GA-E&gclid=CjwKCAiAp8iMBhAqEiwAJb94z5w87PZBggSqfwltpgAdDwOtQGThdllII-ozqqlf1HYyFnilMckt9hoCtEEQAvD_BwE

Thanks for the recommendations. One of the links suggested states that they will cover damage to premises hired or rented - which I suppose would be a good idea. Feels annoying as I'm sure it would be fine but would hate for anything to happen and have to pay out money.

Also just had a look and the bouncy castle place have public liability insurance and do a risk assessment when they come and set up.

We require insurance to rent our hall and have this clause but it's only enforced for organisations - private parties have to sign a waiver accepting all liability and safeguarding responsibilities. Bouncy castles are only allowed if the hirer has insurance though, reputable companies will. We cannot risk our organisation if we are not on site eg private parties