What does Amusement & Entertainment Device Insurance cover?

Coverage often includes general liability and participant injury, property, equipment breakdown, business income, abuse & molestation (where required), workers’ compensation, and cyber for online waivers/POS. Endorsements can add primary/non-contributory and waiver of subrogation for contracts.

How much liability limit should I carry?

Many venues start at $1M per occurrence / $2M aggregate with an umbrella of $1M–$5M+. Higher-capacity or water attractions and touring carnivals may need more, driven by contracts and municipal requirements.

Do I need participant liability or will GL cover it?

Interactive attractions generally require participant liability wording in addition to GL. Confirm how participants, spectators, and employees are treated, and align documentation and waivers accordingly.

How important are waivers and incident logs?

E-waivers with timestamps, CCTV, and staff training records materially improve claims defensibility. Daily inspection checklists and maintenance logs are strongly recommended.

Do I need cyber insurance for waivers and POS?

Yes. Online waivers, bookings, and POS create cyber exposure including data breach and ransomware, which cyber insurance is designed to address.

Can I insure seasonal or pop-up attractions?

Yes. Seasonal rating and per-event options can be structured for fairs, festivals, holiday pop-ups, and short-term installations.

What documents help underwriting and claims?

Maintenance logs, daily inspection checklists, staff training records, incident reports, signed waivers, and OEM manuals improve underwriting and claims outcomes.

AMUSEMENT & ENTERTAINMENT DEVICE INSURANCE

Q: Which businesses need this coverage?

Trampoline parks, inflatable rentals, FECs, waterparks, arcades/VR, go-kart tracks, laser tag, zipline & aerial parks, bowling & axe throwing, mini golf, escape rooms, and portable/carnival operators.

Q: What affects premium pricing?

Attraction type, attendance, staff training, incident history, maintenance/inspection logs, waiver process, lifeguard ratios for water, and whether the operation tours or is fixed-site.

Q: Are portable/carnival rides insured differently?

Yes—touring operations often use per-event COIs, changing additional insureds, and primary/non-contributory language, with seasonal rating and logistics controls considered.

Q: What about water attractions and lifeguards?

Waterparks and rides rely on lifeguard ratios, signage, water-quality logs, and rescue training. Pair GL + participant with medical payments and breakdown for pumps and controls.

Q: How fast can I get Certificates of Insurance (COIs)?

COIs are issued quickly with correct additional insured, primary/non-contributory, and waiver of subrogation wording when venue or landlord requirements are provided up front.

AMUSEMENT & ENTERTAINMENT DEVICE INSURANCE

CARNIVAL & FAIRGROUND RIDES, WATER SLIDES, GO-KARTS, INFLATABLES, & MORE

Amusement & Entertainment Device Insurance protects the unique risks that come with operating rides, attractions, and family fun centers. From roller coasters, trampolines, inflatables, and water slides to arcades, simulators, axe throwing, and portable carnival rides, operators face exposures that go beyond standard business insurance. Coverage is tailored to meet state inspection requirements, landlord and venue contracts, and participant liability needs, ensuring you stay compliant while keeping guests safe. With a trusted partner like Kelly Insurance Group, you’ll get custom policies, fast certificates, and expert claims support so you can focus on creating safe and memorable experiences.

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AMUSEMENT & ENTERTAINMENT DEVICE INSURANCE FAQs

Answers to common questions from trampoline parks, inflatables, waterparks, arcades, karting, ziplines, and touring carnivals.

Policies are built around general liability and participant injury for rides/attractions, plus property (buildings, contents, décor), equipment breakdown (pumps, controls, motion bases), business income, abuse & molestation (where required), workers’ comp, and cyber for online waivers and POS. Endorsements can add primary/non-contributory and waiver of subrogation for landlord and venue contracts.

Participant LiabilityEquipment BreakdownBusiness Income

Trampoline parks, inflatable rentals, family entertainment centers (FECs), waterparks, arcades/VR, go-kart tracks, laser tag, zip line & aerial parks, bowling & axe throwing, mini golf, escape rooms, and portable/carnival operators. If guests interact with a device or attraction, you likely need participant liability and venue-compliant wording.

Typical starting points are $1M per occurrence / $2M aggregate with an umbrella of $1M–$5M+. Higher-capacity venues, water rides, or touring carnivals often need more. Landlords and municipalities may mandate specific AI/PNC wording and limits—build to the contract, not just a rule of thumb.

Key rating drivers: type of attractions (trampolines vs. arcade), attendance, staff training, incident history, maintenance/inspection logs, waiver process, lifeguard ratios (water), and touring vs. fixed-site. Implementing controls can unlock better pricing and broader forms.

For interactive attractions, you generally need participant liability language (not just standard GL). Confirm policy wording for participants, spectators, and employees—and align your incident documentation and waiver workflows with the coverage.

Extremely. E-waivers with time stamps, CCTV, and staff training records help defend claims and can impact underwriting. Keep daily inspection checklists and maintenance logs (ACCT/ASTM where applicable).

Digital WaiversCCTV/IncidentsDaily Inspections

Touring operations need per-event COIs, changing additional insureds, and primary/non-contributory language. Seasonal rating and logistics (setup/teardown, transport, weather plans) are factored into underwriting.

Waterparks and water rides hinge on lifeguard staffing ratios, signage, water quality logs, and rescue training. Pair GL + participant with medical payments and consider equipment breakdown for pumps and control systems.

Yes—online waivers, bookings, and point-of-sale systems create exposure. Cyber coverage addresses data breach, ransomware, and notification costs, and it pairs well with payment card and privacy liability endorsements.

We prioritize fast COIs with correct additional insured, primary/non-contributory, and waiver of subrogation wording. Share venue or landlord requirements up front to avoid delays.

Yes. We can structure seasonal rating and per-event options for holiday pop-ups, fairs, and short-term installations—aligning effective dates with inspection calendars and lease terms.

Keep maintenance logs, daily inspection checklists, staff training records, incident reports, waivers, and OEM manuals. These reduce uncertainty, support broader coverage terms, and speed claims resolution.

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COMPLIANCE, INSPECTIONS & CONTRACT REQUIREMENTS

Beyond just protecting guests, Amusement & Entertainment Device Insurance is also about protecting your business relationships. Most states require compliance with ASTM/ACCT standards and annual ride inspections, while landlords, malls, and municipalities often demand strict wording in your insurance certificates. Having a brokerage that understands these requirements means fewer delays, smoother permitting, and stronger contract compliance—so you can stay open, stay covered, and stay ahead of the paperwork.

RISK MANAGEMENT AND STAFF TRAINING SUPPORT
Insurance is only part of the picture—successful operations also depend on strong risk management practices. From staff orientation and ride-operation checklists to emergency response drills and waiver systems, your insurance program should work hand-in-hand with your training protocols. The right carrier and broker not only provide coverage but also deliver claims guidance, loss-control resources, and industry best practices that help lower incident frequency and strengthen your defense if a claim does occur. With tailored support, you’re not just insured—you’re actively managing risk.