• • 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-to-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: 

  • Trampoline parks 
  • Ninja courses 
  • Ropes courses 
  • Inflatables 
  • Rock climbing 
  • Youth-heavy attractions  

Protecting your building, build-out, and equipment 

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 

1. 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