Children's Playcenter--Indoor

What Does GL Code 11120 Cover?

ISO GL class code 11120 covers businesses operating indoor play centers designed for children, encompassing activities such as soft play areas, bounce houses, climbing structures, and interactive games. This code classifies operations where children engage in recreational activities within a supervised indoor environment, focusing on the unique liability exposures associated with child safety and play equipment.

Who Uses This Class Code?

This code applies to businesses like indoor trampoline parks, children's discovery centers, soft play gyms, family entertainment centers with indoor play structures, and dedicated indoor playgrounds. It is used by operators whose primary function is to provide a safe and engaging indoor recreational space for children.

Common GL Claims for This Class

Common claims include slip-and-fall injuries, fractures or sprains from falls off play structures, injuries sustained during collisions between children, and claims related to inadequate supervision or poorly maintained equipment.

Coverage Tips for Code 11120

• Ensure your general liability policy includes coverage for participant legal liability, as injuries to children are a primary exposure.
• Implement and document rigorous safety inspection and maintenance schedules for all play equipment to mitigate claims related to faulty apparatus.
• Verify that your policy includes abuse and molestation coverage, which is critical for any business involving supervision of children.
• Clearly post and enforce rules of conduct and age/height restrictions for play areas to reduce the risk of injury and demonstrate due diligence.