FAMILY ENTERTAINMENTCENTER INSURANCE
Arcade games, rides, and family fun — specialty coverage for family entertainment centers.
A FAMILY ENTERTAINMENT CENTER HAS A PARTICIPANT INJURY EXPOSURE ON EVERY ATTRACTION.
A family entertainment center — go-karts, mini golf, laser tag, trampolines, arcade games, or rides — creates participant injury liability on every attraction. Children are the primary participants, which raises claim severity and the scrutiny of waivers. Multiple concurrent attractions, food service, and birthday event programs compound the exposure across the whole facility.
Every active ride, trampoline, go-kart, and attraction creates participant injury liability for the FEC.
Skill games and arcade cabinets create equipment and injury liability for young participants.
Private birthday events concentrate children and parents, creating event liability on top of attraction liability.
On-site food and beverage service adds food liability and, where alcohol is served to parents, liquor liability.
TAP EACH ATTRACTION TO SEE THE COVERAGE QUESTION.
Family entertainment center risks are participant-driven and high-frequency. Tap each. A general illustration — not a coverage determination.
HOW THE PROGRAM IS BUILT.
Coverage for injuries tied to every ride, attraction, and game across the full FEC footprint.
Premises liability for parents, accompanying adults, and spectators throughout the facility.
Rides, arcade cabinets, go-karts, and entertainment equipment at replacement cost.
FEC staff operating rides, managing attractions, and serving food and beverage throughout the facility.
TELL US ABOUT YOUR OPERATION.
Complete the form and a Kelly Insurance Group specialist will follow up to begin your review.
STRAIGHT ANSWERS.
What does family entertainment center insurance cover?
FEC insurance covers participant injury liability for rides, attractions, and games, general liability for accompanying adults and spectators, commercial property for entertainment equipment, and workers compensation for all FEC staff.
Is participant injury different from general liability?
Yes. Participant injury covers injuries that occur during the active use of an attraction or ride — the specific risk of being injured by or during the activity itself. This is separate from general premises slip-and-fall liability.
Are waivers enough to protect an FEC from liability?
Waivers reduce but do not eliminate liability for an FEC. A waiver may not be enforceable for a minor in many jurisdictions, and a waiver that was not properly executed may not hold. Insurance coverage is necessary regardless of waiver practices.
Does an FEC that serves alcohol need liquor liability?
Yes. An FEC that sells alcohol to accompanying adults carries liquor liability and dram shop exposure. The presence of children in the same space as alcohol service is a specific underwriting consideration.
Is birthday event liability different from daily operations?
Birthday events create concentrated event liability on top of the standard FEC coverage — a specific group in a private event format. How birthday events are addressed depends on frequency and whether they are included in the base policy.
How do I get an FEC insurance quote?
Completing the form on this page gathers your attraction list, ride count, event program, food service, and staff size so the account can be reviewed and matched to the right specialty markets.
COVER EVERY ATTRACTION, EVERY GUEST, EVERY EVENT.
Kelly Insurance Group builds specialty programs for family entertainment centers, go-kart facilities, and multi-attraction entertainment venues.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.