An insurance a playground's managing body must take out under the Children's Playground Facility Safety Management Act. It covers compensation for bodily and property loss from child accidents at kids' cafés, apartment playgrounds, school grounds and the like.
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Children's playground facility liability insurance is cover a playground's managing body must take out under Article 21 of the Children's Playground Facility Safety Management Act, to guarantee compensation where a defect or accident at the playground causes loss to another person's life, body or property.
For every playground children use — kids' cafés, apartment playgrounds, school grounds, daycare play areas — the managing body must hold cover, and proof of cover is submitted with the facility report and inspection.
Mandatory cover by the managing body under the Children's Playground Facility Safety Management Act.
Child injury from facility defects — falls, entrapment, slips, equipment breakage.
Covers treatment costs for on-site incidents without proving facility fault.
An additional loss limit can be designed beyond the statutory compulsory limit.
Indoor play-equipment venues — ball pits, trampolines, slides.
Managing bodies of complex playgrounds.
School grounds, on-campus play facilities, in-centre play areas.
Operators of local-authority-outsourced playgrounds and kids' theme parks.
| Limit | Bodily KRW 100m / property KRW 10m (statutory limit) |
|---|---|
| Key endorsements | On-site medical + excess compensation + food/drink PL combined |
| Limit | Statutory limit (death/disability KRW 80m / injury KRW 15m) |
|---|---|
| Key endorsements | Excess compensation +KRW 100m |
| Limit | Bodily KRW 100m / property KRW 5m |
|---|---|
| Key endorsements | On-site medical + field-learning extension |
※ The above are general design examples; actual premium and limits may differ according to the risk profile of the business, past claims history and the insurer's assessment. An exact quote is tailored on request.
A case where, at a 9th-birthday party with friends, a child twisted an ankle coming down a ball-pit slide at a kids' café. The café acted quickly, the child was treated at a nearby hospital and was in a cast for a while.
A case where a child on a playground swing suddenly fell. The swing's support-frame link was found to have rusted and broken, and the managing body's liability was recognised.
A case where a primary-school child, climbing up a slide during a game of tag, missed their footing and fell. With spinal and pelvic injuries the child underwent long-term hospital treatment, and the playground's safety officer undertook to compensate the costs.
※ The above are generalised examples of industry claims; actual cover outcomes may differ according to the wording and application terms.
| Policy period | 1 year, renewable |
|---|---|
| Payment | Single (annual) payment |
| Insurers | DB · KB · Meritz · Hyundai |
| Channel | Individual consultation with our broker (010-5755-6465) |
| Turnaround | 1–2 business days |
If the insured event has already occurred at the time the contract is made, the contract is void. However, where the contract is void due to the company's intent or negligence, or where the company knew or could have known of the nullity before acceptance yet did not refund the premium, the company refunds the premium with interest at the policy-loan rate published by the Korea Insurance Development Institute, compounded annually, for the period from the day after payment to the day of refund.
The specific losses not covered (exclusions) are set out in each insurer's policy wording and product description; the main exclusions are summarised on this page. For other cover-specific grounds on which claims are not paid, please refer to the policy wording.
The company provides cover, in accordance with the policy, from the time it accepts the application and receives the first premium. Where the company accepts the application after receiving the first premium with it, cover also begins from the time the first premium was received.
The application must be completed by the policyholder, and the policyholder and the insured must sign it by hand. Failure to sign by hand may result in disadvantages regarding the validity of the contract. On an internet cyber-mall, an electronic signature may be used instead.
The policyholder has the right to be given and have explained the information needed about the product they wish to buy.
The insurer and N2N Insurance Brokerage must explain the important matters of the product to ordinary financial consumers.
When applying, the policyholder, the insured or their agent must disclose truthfully the facts they know regarding the questions in the application (including the questionnaire). Otherwise the claim may be declined or the contract cancelled. Where insurance is taken out by telephone or other means of communication, the duty is performed by answering the seller's questions, which are recorded, without a separate written questionnaire, so answers must be given with particular care.
If, after the contract is made, any of the following arises in respect of the subject-matter insured, the policyholder or the insured must notify the company in writing without delay and obtain endorsement on the policy.
The surrender value is the amount paid if the contract is cancelled early. Unlike bank savings, insurance combines risk protection and savings: part of the premium is paid out as claims to other policyholders who suffer accidents, and part covers the insurer's operating expenses, so the surrender value on early cancellation may be less than the premiums paid, or nil.
Except as provided by law, the insurer and N2N Insurance Brokerage do not collect, use, inspect or provide personal data related to this contract — for its conclusion, maintenance and claim payment — without the consent of the policyholder, the insured or the beneficiary. However, for those purposes the insurer may, with the consent of the policyholder and the insured and in accordance with law, provide personal data to other insurers and insurance-related bodies.
The above is a summary and excerpt of the policy wording; for grounds on which claims are not paid and other details, please refer to the policy wording and product description.
Common situations in playground operation — a five-scenario self-check
Play equipment such as swings, slides and trampolines carries a high risk of falls, entrapment and collisions as children use it directly.
The managing body of a playground children use must take out accident-liability insurance.
For complex playgrounds, the housing managing body bears safety-management and inspection responsibility, and a liability burden arises for facility-defect accidents.
School grounds, on-campus play facilities and in-centre play areas are also children's playgrounds, subject to the managing body's compulsory cover.
Indoor play equipment such as ball pits, trampolines and slides has high usage density and so a high accident frequency.
When an accident happens at a playground, the managing body easily sees it as “a child being hurt at play,” but the Children's Playground Facility Safety Management Act imposes periodic-inspection and facility-management duties on the managing body. Where a facility defect compounds the accident — a rusted swing-support link, ageing or broken slides and equipment — the managing body's liability is often recognised. Children's playground facility liability insurance is cover the managing body must hold to guarantee compensation for bodily and property loss caused to others, such as children, by a playground defect or accident.
Source: (standard insurance-textbook scenario)
The wording and structure points decision-makers most often overlook
Under the Act the duty to insure falls on the playground's “managing body.” Where this is unclear due to outsourced management, cover can be missed, so identify it first.
Check that every children's playground you operate — multiple playgrounds in a complex, the various equipment of a kids' café — is included in the policy.
Accidents from a child's own carelessness may not establish the managing body's legal liability, and no-fault on-site medical cover supplements this within a set limit. Facilities used by children are worth reviewing together.
The questions asked most when considering children's playground facility liability insurance
Under Article 21 of the Children's Playground Facility Safety Management Act, the managing body of a playground children use must take out accident-liability insurance.
Playgrounds children use — kids' cafés, apartment playgrounds, school grounds, daycare play areas — broadly qualify. Whether the playground you operate or manage is covered should be checked against the relevant law.
The duty to insure falls on the playground's managing body. Where this is unclear due to outsourced management or leasing, cover can be missed, so identify the party with contractual management responsibility first.
An accident from the child's own carelessness may not establish the managing body's legal liability. However, with no-fault on-site medical cover, treatment costs for in-facility incidents can be covered up to a set limit.
The compulsory limit set by law is a minimum. It is usual to also consider an excess-compensation endorsement for a serious accident.
The insurer calculates it based on the number and type of playgrounds, the volume of children using them, the limit and endorsement structure, and past incident history. The exact premium and terms are confirmed after underwriting by insurers such as AIG, Chubb, DB, Hyundai, KB and Meritz.
