Adventure Attraction Insurance

Adventure attraction insurance is specialty commercial coverage built around general liability and participant liability for operations involving height, harnesses, and participant-controlled movement — ziplines, ropes courses, rock walls, euro bungee, trampoline parks, and adventure parks that bundle them together.

Fall risk, harness dependency, and self-rescue exposure put these accounts outside the appetite of most standard general liability markets. The carriers that do engage expect ACCT or ASTM alignment, documented inspections, trained staff, and clean loss history before they price the account.

For most carriers, yes. An annual third-party inspection from an ACCT-qualified inspector or ASTM-aligned professional is typically expected for ropes courses, ziplines, and aerial adventure parks. Rock walls and trampoline parks often have their own inspection regimes tied to the manufacturer and applicable ASTM standard.

Yes. Portable setups require additional detail — states of operation, transport plan, venues served, per-event certificate requirements, and setup supervision. Mobile operators typically need per-event Additional Insured wording, commercial auto on tow vehicles, and clear documentation of setup and teardown procedures.

Typical starting points are $1M per occurrence / $2M aggregate with a $1M–$5M umbrella. Higher-exposure operations and contract-driven venues often demand more. Schools, municipalities, and resorts frequently require specific Additional Insured, Primary & Non-Contributory, and Waiver of Subrogation wording — build the policy to the contract, not just a default limit.

Effectively yes. Carriers in this class expect a signed waiver from every participant, with risk acknowledgment language, guardian consent for minors, and permanent storage. Bilingual waivers are a plus in relevant markets. A waiver alone does not replace good operations — but the absence of waivers is one of the most common reasons submissions get declined.

Foam pits and dunk tanks add their own underwriting wrinkles — pit depth, foam cube density, replacement cadence, and supervision all come up. Most carriers writing trampoline parks want ASTM F2970 alignment, posted rules, and video surveillance with minimum retention.

Yes. We write parks that bundle ziplines, ropes, rock walls, trampolines, bungee, and ground-based attractions under one operation. The intake form covers the full spectrum — complete it once and our team will route it to the right specialty markets.

The usual reasons: no recent third-party inspection, no signed waivers, no documented training, missing loss runs, undisclosed water or alcohol exposure, and vague descriptions of course elements and heights. Our declinations page walks through the most common reasons submissions get rejected.

Yes. KIG writes adventure attractions across the United States — fixed parks, portable operations, seasonal operators, and multi-element adventure centers. Call or text East at 412-212-2800 or West at 310-561-1917.