Why insurer is wrong over its risk assessment of adventure playgrounds

Without public liability insurance, adventure playgrounds can't remain open. For many years, Zurich Insurance has been one of the few providers available, as other companies are unwilling to take the ‘risk' of offering insurance, despite accident rates for playgrounds being far lower than other activities for children - Rugby and Soccer for example have 100 times as many non-fatal accidents as public playgrounds. (Managing Risk in Play, 2012, Play England / National Children's Bureau).
In emails seen by The Times and the BBC, underwriters from Zurich gave notice that the company was re-evaluating its policies saying their "appetite has changed towards adventure playgrounds".

Writing to Glamis playground in Shadwell, East London, located only 10 minutes from Zurich's London headquarters, the insurers said: "Adventure playgrounds pose unique risks to an insurance company...the site looks very busy with a lot of non-standard play equipment." The insurer added that in general it was "seeing an ever-increasing claims culture and an increase in the cost of settling claims".