Specialized Insurance For Family Entertainment Centers

General Liability insurance covers bodily injury and property damage claims arising from your operations. This is the most closely scrutinized coverage for family entertainment and amusement facilities due to the frequency of participant activity and public interaction. 

A standard General Liability policy is typically written with: 

• $1,000,000 per occurrence 
• $2,000,000 aggregate 

What that means: 

• Per occurrence is the maximum amount the policy will pay for a single claim or incident. 
• Aggregate is the maximum the policy will pay for all claims combined during the policy year. 

These limits are common across the industry and often satisfy basic contractual requirements. However, depending on your attractions, volume of guests, or contractual obligations (such as landlord, lender, or municipal requirements), higher limits may be appropriate or required. 

We can structure higher limits through: 

• Increased primary limits, and/or 
• Excess or umbrella liability coverage 

What that means:
This allows you to better protect your business assets and remain compliant with lease or contract requirements. 

This coverage is designed to address risks from bodily injury to others i.e.: 

• Falls, collisions, and participant injuries
• Thrown or propelled objects (axe throwing, rage rooms, batting cages, paintball, inflatables) 
• Slips and trips in arcades, bowling alleys, ice rinks, and walkways 
• Spectator injuries 
• Youth participation, group events, and birthday parties

Our role is to ensure the limits, structure, and classification accurately reflect how your facility actually operates, not just what looks good on paper. 

Fast payouts. Fewer lawsuits. Happier customers. 

Accident insurance pays medical expenses regardless of fault for injured participants. It is not a replacement for liability insurance — it is a lawsuit prevention tool.  

This coverage can: 

• Pay medical bills quickly 
• Reduce attorney involvement 
• Preserve customer relationships 
• Support waiver defenses

Highly recommended for any venue in which people can get hurt in activities.

Protecting your building, build-out, and equipment and lost revenue

Entertainment centers invest heavily in tenant improvements and specialized equipment. Property insurance should reflect that reality. 

Coverage can include: 

1. Buildings (If Owned):
   Fire, wind, vandalism, and other covered causes of loss
    
2. Tenant Build-Out & Improvements:
   Covers the construction, materials, and installations you put into a leased space that are permanently affixed to the building. These are improvements you paid for, but do not remove when you leave.  

 
In simple terms: 

If it’s bolted, built, mounted, or attached to the walls, floors, or ceiling, this is typically considered tenant build-out. 

• Trampoline structures 
• Go-kart tracks 
• Soft play installations 
• Rock walls and ropes systems 
   

Business Personal Property / Contents 

Covers the movable items your business owns that are not permanently attached to the building.  

In simple terms: 

If it can be picked up, unplugged, rolled away, or relocated, it is typically considered contents. 

• Arcade games 
• Bowling lanes 
• VR equipment 
• Rental gear and safety equipment
   

Outdoor Signage & Plate Glass 

• Front windows 
• Exterior signage 
• High-traffic storefront exposures  
   

Equipment Breakdown 

• Mechanical and electrical failures 
• Arcade machines 
• HVAC systems 
• Specialized attraction equipment 
   

Business Interruption 

• Lost income after a covered loss such as a fire or tornado 
• Extra expense to reopen faster 
   

Covers your business when it’s sued over a physical altercation on your premises-like a bar fight, a bouncer injuring a patron, or an attack in your parking lot:

• The Coverage Gap:
  a large share of standard general liability policies exclude assault & battery entirely or cap it at a steep sublimit (often $25K–$100K vs. a $1M policy limit) — exact prevalence varies by market, but in high-risk classes like bars and nightclubs, exclusions or sublimits are the norm, not the exception.
   
• Common allegations: negligent security, inadequate lighting, undertrained staff, or overservice of alcohol — you can be sued even if employees did nothing wrong.
   
• Who needs it most: bars, nightclubs, restaurants with liquor service, and other entertainment venues.
   

* If Alcohol is Served

If alcohol is sold, served, or furnished, Liquor Liability is critical and often required by your lease or municipality.

Liquor Liability helps protect against claims alleging: 

• Over serving or serving intoxicated patrons 
• Alcohol-related injuries inside your facility
• Third-party injuries after patrons leave

 
This is especially important for any venue that furnishes or sells alcohol: 

These limits are common across the industry and often satisfy basic contractual requirements. However, depending on your attractions, volume of guests, or contractual obligations (such as landlord, lender, or municipal requirements), higher limits may be appropriate or required.

Required. Closely underwritten. Often misunderstood. 

Workers’ Compensation covers employee injuries arising out of their job duties.  In most states this is required by law the minute you hire one employee.

The cost of workers compensation is a function of job classification and payroll
We focus on: 

• Proper job classifications 
• Payroll accuracy 
• Managing claims to control future costs

Ancillary & Specialty Coverages Hired & Non-Owned Auto Liability 

Protects your business for liability (bodily injury or property damage to third parties) when vehicles that are used in your business, but are not actually owed by your business

• Employees use personal vehicles for work 
• You rent or borrow vehicles 
• Staff transport supplies or equipment 

Abuse & Molestation Coverage 

Often important for:

• Youth-focused facilities 
• Soft play and playground equipment 
• Birthday parties and camps 

This coverage addresses allegations — not just proven incidents — which is critical from a defense standpoint.

Protects against employee-related claims alleging: 

• Wrongful termination 
• Discrimination or harassment 
• Retaliation or wage disputes

 
Particularly important for: 

• High-turnover environments 
• Seasonal staffing models 

Employee Benefits Liability 

Covers errors or omissions in: 

• Health benefits administration 
• Enrollment mistakes 
• Communication of employee benefits