# Insurance for indoor playgrounds, soft play centres and trampoline parks in Germany

> Indoor playgrounds, soft play centres and trampoline parks in Germany live on rainy days and winter weekends. Hundreds of children climb, slide and bounce while parents sit in the café, and every fall can turn into a liability question. This page explains which insurance an operator needs, what it costs and where the gaps usually are.

Quelle/Source: https://www.nammert.com/en/business-insurance-indoor-playground.php  
Updated: 2026-10-15

## Do I have to pay if a child falls off a slide while the parents are watching?

Only if you did something wrong, for example left a damaged item open or failed to display the house rules. You still have to defend the claim, and that is exactly what public liability insurance does: it checks the claim, rejects unjustified demands and pays justified ones. Written records of maintenance and daily checks make this much easier.

## At a glance

- **Compulsory:** No specific statutory insurance for the business itself. Your employees are covered by statutory accident insurance under § 2 of Social Code Book VII, your young visitors are not
- **Biggest risk:** A child is injured on equipment, and the parents claim poor maintenance or supervision
- **Basic cover from:** about €600 a year of public liability for a small hall, a guide figure from our own quoting work
- **Most expensive loss:** Fire or water damage in the hall, followed by weeks of closure
- **Often forgotten:** Trampolines, bouncy castles and birthday parties must be named in the policy

## What goes wrong in this trade

- **Falls from equipment:** A child falls inside the climbing frame and breaks an arm. The health insurer reclaims treatment costs, the parents ask for compensation.
- **Trampoline collisions:** Two children land on the same bed. Insurers treat trampolines as a separate risk, and not every policy includes them.
- **Fire in the hall:** Foam, nets and padding burn quickly. After a fire the equipment is lost and the hall closed for weeks.
- **Water damage:** A burst pipe soaks the ball pit and the soft play mats, which then have to be replaced.
- **Break-ins:** Thieves take the till, arcade machines and electronics overnight.
- **Winter closure:** Most revenue comes in the cold months. Losing the hall then costs a year's profit.

**Risk radar** (Compared with other trades, 1 low to 5 high.): Liability 5, Fire and water 4, Theft 2, Cyber 2, Downtime 4, Health 3

## The insurance you need

- **Business liability** (Essential): The core cover for injuries to children and parents, damage to their property and defence against unjustified claims. Trampolines, bouncy castles and catering must be included. https://www.nammert.com/en/insurance-broker-business-liability.php
- **Business contents** (Strongly advised): Covers equipment, padding, till, kitchen and electronics against fire, water, storm and burglary. https://www.nammert.com/en/insurance-broker-business-contents.php
- **Business interruption** (Strongly advised): Pays lost profit and running costs such as rent and wages after an insured property loss. https://www.nammert.com/en/insurance-broker-business-interruption.php
- **Business legal expenses** (Strongly advised): Legal expenses for disputes with landlord, suppliers and staff and for criminal proceedings after an accident. https://www.nammert.com/en/insurance-broker-business-legal-expenses.php
- **Group accident insurance** (Depends on the business): Accident cover for visiting children pays regardless of fault and calms disputes with parents. https://www.nammert.com/en/insurance-broker-group-accident.php
- **Commercial buildings** (Depends on the business): Only if you own the building; tenants should check who insures it. https://www.nammert.com/en/insurance-broker-commercial-buildings.php
- **Cyber insurance** (Depends on the business): If you sell tickets, parties and vouchers online and store customer data. https://www.nammert.com/en/insurance-broker-cyber-insurance.php

## What it costs: example prices

Premiums depend on floor space, visitor numbers, type of equipment and whether trampolines and catering are part of the business. Trampoline parks cost considerably more in liability than classic soft play.

| Insurance | Example | Typical range |
| --- | --- | --- |
| Business liability | Small indoor playground up to 1,000 m² with café | about €600 to €1,200 a year |
| Business liability | Large hall with trampoline courts and birthday parties | about €2,000 to €5,000 a year |
| Business contents | Equipment and fittings worth €250,000 | about €700 to €1,500 a year |
| Business interruption | Loss of income up to twelve months, €400,000 turnover | about €400 to €900 a year |

For comparison: Public liability for a small soft play hall costs about as much a year as the admissions of one busy rainy Sunday.

_Guide figures from our own quoting work, October 2026, excluding German insurance premium tax. The linked source supports the legal statement on this page, not the prices._

- [Gesetze im Internet: § 2 SGB VII, insured persons](https://www.gesetze-im-internet.de/sgb_7/__2.html)

## Our suggestions: three packages

- **Soft play** (small hall with climbing frame, ball pit and café): Business liability, Business contents. Together: about €1,300 to €2,700 a year
- **Family centre** (larger hall with parties, catering and staff): Business liability, Business contents, Business interruption, Business legal expenses. Together: about €3,500 to €7,500 a year
- **Trampoline park** (hall with trampoline courts and online booking): Business liability, Business contents, Business interruption, Group accident insurance, Cyber insurance. Together: tailored, usually from about €6,000 a year

## The worst day at the playground

Six things that really happen to operators, here on one rainy Sunday. Tap through and see who pays.

- 09:40: When you unlock, the ball pit is under water: a pipe in the ceiling has burst. (€8,500, Paid by: Business contents)
- 11:15: A boy falls through a torn net in the climbing tower and breaks his arm. (€12,000, Paid by: Business liability)
- 13:30: Two children collide on a trampoline, one loses a front tooth. (€4,500, Paid by: Business liability)
- 15:00: A mother slips on spilt juice in the café and her phone breaks. (€1,200, Paid by: Business liability)
- 17:20: Because of the water damage the ball pit stays closed for two weeks and parties are cancelled. (€9,000, Paid by: Business interruption)
- 20:45: The boy's parents announce a lawsuit and you need a lawyer. (€2,500, Paid by: Business legal expenses)

**Damage so far:** €37,700

## Practical tips from your broker

- Have trampolines, bouncy castles, climbing walls and catering named individually in the liability policy.
- Keep written records of maintenance and daily visual checks of all equipment.
- Display the house rules clearly and point out that parents remain responsible for supervision.
- Insure equipment and padding at replacement value and review the sum after every expansion.
- Choose an indemnity period for business interruption that covers a full winter season.
- Agree in the lease who insures the building, glass and technical installations.

## Why NAMMERT for your business

- **We know the equipment clauses:** Trampoline, bouncy castle, climbing tower: every insurer draws the line differently. We put the wordings side by side.
- **One contact for hall and café:** Liability, contents, interruption and accident cover are handled together, so nothing is insured twice or not at all.
- **Family run since 1989:** Norman Nammert arranges your cover as an insurance broker, in English if you prefer. Our work is free for you; the insurer pays our commission.

## FAQ

### Is insurance compulsory for an indoor playground in Germany?

There is no specific statutory insurance for the business. Public liability is still essential, and most landlords require it in the lease.

### What does public liability cost?

About €600 to €1,200 a year for a small hall and about €2,000 to €5,000 for large halls with trampolines, guide figures excluding insurance premium tax.

### Are visiting children covered by accident insurance?

No. Statutory accident insurance under § 2 of Social Code Book VII covers your employees, not your guests. Voluntary accident cover for visitors is possible.

### Are trampolines included in normal public liability?

Not always. Many insurers exclude trampoline parks or charge extra, so they must be named in the policy.

### What happens if the hall has to close after a fire?

Contents insurance replaces equipment and fittings, business interruption cover pays lost profit and running costs until the end of the indemnity period.

## Request quotes

We obtain quotes and come back with a comparison, free of charge. You can write in English. https://www.nammert.com/en/business-insurance-indoor-playground.php#anfrage

---

Your broker: Norman Nammert, trading as NAMMERT. Insurance broker licensed under section 34d(1) of the German Trade Regulation Act. Broker register no. D-C08Q-TOSD4-37. NAMMERT Assekuradeur GmbH is a separate company. It does not arrange your contract.

NAMMERT Assekuradeur GmbH, Karl-Marx-Straße 4, 15711 Königs Wusterhausen, +49 3375 29 12 77, info@nammert.com. Wikidata: Q141141479.