Insurance for bouncy castle and photo booth hire in Germany
A gust lifts the bouncy castle and a child falls onto the lawn; at a wedding a guest knocks over the photo booth. In bouncy castle and photo booth hire your equipment is somewhere different every weekend, and you are liable for its condition. Here is what is compulsory in Germany, which insurance carries the typical losses and what it costs.
Who is liable if a child is hurt on my bouncy castle?
It depends on the case. You are liable if the equipment was faulty, set up wrongly or poorly anchored, or if your staff were supervising. Supervision at the customer's event usually lies with the hirer. Record set up, anchoring and briefing in writing, and have your liability policy tailored to hire and supervision.
What goes wrong in this trade
01
Wind and weather
A gust lifts or topples the bouncy castle. Children fall and the inflatable tears.
02
Accidents while bouncing
Too many children, a collision, a fall over the edge: parents claim compensation.
03
Damaged photo booth
A guest knocks over the booth; camera and printer are broken.
04
Theft
Inflatables, blowers and electronics disappear from the store or a parked trailer.
05
Damage during set up
A ground stake hits a garden pipe; lawn and paving are damaged.
06
Towing
Many kilometres every weekend with a heavy load, often in rain and under time pressure.
For yourself if you set up and take down equipment.
What it costs: example prices
Insurers rarely publish rates for bouncy castle and photo booth hire. The premium depends on turnover, number of units, limit of indemnity and whether you provide supervising staff.
Insurance
Example
Typical range
Business liability
Hire business with up to five bouncy castles, no supervision, €3 million limit
about €300 to €650 a year
Business liability
Hire with supervising staff at town festivals, €5 million limit
about €700 to €1,600 a year
Electronic equipment
Two photo booths with camera and printer, €12,000 in total
about €250 to €550 a year
Business contents
Store with equipment worth €40,000
about €200 to €450 a year
Car insurance
Van, business use, third party and partial cover, plus one trailer
about €900 to €1,700 a year
For comparison: Public liability for a small bouncy castle hire business costs about as much a year as two weekend hires.
All premiums are guide values from our quoting work, excluding German insurance premium tax,
as of October 2026.
The motor liability minimums are set in the Compulsory Insurance Act (Pflichtversicherungsgesetz).
Six things hire businesses really go through, all on one Saturday in June. Tap through and see who pays.
Damage so far€35,700
On the way to a birthday party, the trailer pushes into a car at the lights.
€3,200 · Paid by: Car insurance
During set up a ground stake pierces the garden irrigation pipe.
€900 · Paid by: Business liability
A gust lifts the poorly anchored castle and two children are injured.
€18,000 · Paid by: Business liability
At a wedding a guest knocks over the photo booth; camera and printer are broken.
€2,600 · Paid by: Electronic equipment
The customer refuses to pay after the accident and hires a lawyer.
€1,500 · Paid by: Business legal expenses
Burglars empty the store: two castles and three blowers are gone.
€9,500 · Paid by: Business contents
Which package would you have had?
Paid by insurance: €0
Out of your own pocket: €35,700
Illustrative amounts before any excess.
What is paid depends on the policy terms.
Practical tips from your broker
Record set up, anchoring and briefing in writing for every hire, ideally with photos.
Put a wind limit and the hirer's duty to supervise into your hire terms.
Have hire and supervision named as activities in your liability policy.
Insure photo booths under electronic equipment cover that applies at the venue.
Check every unit for tears and seams after each hire and keep a record.
Insure the trailer and always lock it with a hitch lock when parked.
Why NAMMERT for your business
We read the small print
For hire businesses, what decides is whether hire, set up and supervision are described. As an insurance broker, Norman Nammert compares the wording of several insurers for you.
Equipment, vehicles and liability together
Inflatables, photo booth, trailer and liability all run through one contact.
Broker since 1989
A family business, not tied to any insurer. Our service is free for you; the insurer pays our commission. We advise in English.
Frequently asked questions
Questions and answers
What insurance is compulsory for bouncy castle hire in Germany?
Motor liability for vehicles and trailers.
Public liability is not required by law, but councils and event organisers often ask for it.
What does public liability cost?
Without supervision about €300 to €650 a year, with supervising staff about €700 to €1,600,
as guide values from our quoting work.
Is the photo booth covered at the customer's venue?
Only under electronic equipment cover that applies away from your premises.
Contents insurance usually covers the store only.
Is my personal liability policy enough for a side business?
No.
Commercial hire is not covered by personal liability insurance.
Do I have to provide supervising staff?
That is agreed with the customer.
If you provide staff, supervision must be named in your liability policy.
NAMMERT insurance broker
Request quotes for Bouncy castle hire
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