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Insurance and Board Approval Readiness Checklist
Church playground projects rarely stall on design. They stall because the board asks a question nobody prepared for, or because the insurance conversation happens after the drawing is signed instead of before it. Answer these twelve questions honestly and this prints your open items, flags the ones that block approval, and tells you which conversation to have first.
Before the Drawing Is Signed
Have you spoken to your insurance carrier about an indoor play area?Blocks approvalThe carrier’s expectations can change the layout. Asking after the drawing is approved means redrawing.
Have you decided whether the play area is congregation-only or open to the community?Blocks approvalThis single answer drives both grant eligibility and insurance exposure, in opposite directions.
Do you know which safety specification applies in your market?Indoor soft-contained play and outdoor equipment are written to different specifications, and grant forms ask which one.
Have you measured clear height to the lowest duct, beam or sprinkler head?Ceiling height decides how many levels are possible, and it is the most common late surprise.
Insurance and Safeguarding
Will you require additional-insured status from every outside group that uses the room?Blocks approvalNecessary but not sufficient. It names you on their policy; it does not settle whose policy responds when your building’s condition is involved.
Will you require abuse and molestation liability cover from any group with routine contact with minors?Blocks approvalThis exclusion is common on one-page certificates and easy to miss.
If a weekday preschool or daycare will use the room, is there a specific endorsement and lease wording?Blocks approvalThis is the most complex tenancy a church takes on and needs its own treatment.
Is there a weekly inspection routine with a named person and a printed checklist?Blocks approvalFasteners, netting tension and surfacing are what an inspection actually looks at, and records are what a claim is assessed against.
Are background checks and a two-adult rule in place for everyone supervising the play space?Supervision policy is a design input: it sets your ratios and therefore your capacity.
The Board Paper
Do you have a drawn layout and a 3D visual to show, not just a brochure photograph?Boards approve what they can see. A costed drawing settles most of the questions before they are asked.
Is the cost separated into equipment, flooring, freight and installation?A single lump sum invites the question you cannot answer in the meeting.
Is the after-handover position written down: manual, inspection checklist and spare-part route?The question that stalls approvals most often is what happens in year two, not year one.
We can supply the drawing, the specification and the costed scope that the board paper and most funding routes both ask for.
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Back to the church playground guide
This checklist organises the questions to ask; it is not legal or insurance advice, and coverage terms differ by carrier and by jurisdiction. Your broker and your board remain the decision makers.
