Helping you protect and support safer playspaces across Australia
Playgrounds are an essential part of communities, offering spaces for recreation, development, and social connection. If you're involved in managing, designing, or maintaining these spaces, having the right insurance in place is crucial.
That's why our team is here to help with specialised insurance solutions developed specifically for businesses across the playground and landscaping industry — including those involved in manufacturing, installation, maintenance, and certification..
Common risks faced by Playground Businesses
Understanding the common risks faced by playground professionals is key to ensuring your insurance is fit for purpose. Here’s a look at some of the challenges we help our clients navigate.
Inadequate disclosure of business activities
Full scope of business activities not disclosed in current policy resulting in cover gaps, denied claims, or issues meeting project or contract requirements.
Playground equipment failure leading to injury
Accidents caused by faulty or incorrectly installed equipment can lead to serious injury claims and liability issues.
Incorrect auditing or certification
Missed hazards or errors in safety reports can result in professional indemnity claims if someone is injured or compliance is questioned.
Weather damage or vandalism during installation
Storms, high winds, or vandalism can damage materials, equipment, or partially completed sites, delaying projects and increasing costs.
Theft of tools, machinery, or vehicles
Items like trailers, compactors, or power tools are common targets for theft, especially when left onsite or in vehicles overnight.
Non-compliance with council or school insurance requirements
Inadequate insurance can delay project approvals, lead to contract loss, or result in financial penalties.
Accidental property damage on-site
Damaging underground services or nearby infrastructure during work can lead to costly repair claims and delays.
Injury to subcontractors or team members
Even with safety measures, workplace injuries can happen, and managing subcontractor risk is crucial for protecting your business.
Specialist insurance cover for the Playground Industry
From day-to-day operations to specialist services, we provide a variety of general and tailored insurance solutions to help protect your playground or landscaping business including:
Public Liability Insurance
Public Liability Insurance is a must for playground work, particularly in public spaces, schools, and council projects. It covers third-party injury or property damage caused by your business activities, including incidents during installation, repairs, or site access, and includes legal defence costs if a claim is made.
Professional Indemnity Insurance
Professional Indemnity Insurance is essential for those providing advice, inspections, audits, or certifications. It protects against claims of professional negligence, such as errors in reports, missed hazards, or breaches of duty — and covers associated legal costs and damages.
Contract Works Insurance
Contract Works Insurance protects your playground construction or installation projects against damage or loss during the job. It’s especially useful for longer-term works, custom builds, or refurbishments, covering events like weather damage, theft, or on-site accidents.
Plant, Machinery & Equipment Insurance
Plant, Machinery & Equipment Insurance provides cover for your essential tools and machinery — whether owned or hired, in use, in transit, or stored on-site. It helps protect against theft, accidental damage, weather events, or equipment breakdown, ensuring minimal disruption to your operations. This cover is suitable for everything from skid steers and utes to cement mixers, trailers, and other key site equipment.
How Coverforce can help
At Coverforce, our expert team of insurance brokers will take the time to assess your individual requirements and exposures and deliver a comprehensive insurance solution that is tailored to your specific needs and budget.
For more information or to speak to one of our brokers about arranging cover, please contact us.
Alternatively, you can simply fill out an application form below and one of our insurance brokers will get in touch with you shortly to review.
