INSURANCE FOR INFLATABLES AND BOUNCE HOUSES
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Inflatables & Bounce Houses
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They’re colorful and fun — and potentially dangerous. Inflatable bounce houses are making the news all too often these days with stories of runaway houses with kids in tow. In 2016, a little girl was killed when a sudden strong wind blew away the bouncy castle she was playing on. That same year, 10 people were injured when the bounce house blew more than 30 yards across a football field and into a fence during a school carnival. As inflatables become more popular, injuries become more prevalent. Thus, inflatables insurance becomes more of a necessity.
If you have experienced some accidents and have been hit with claims, making it tough to obtain or maintain coverage, we are here to help with inflatables insurance. We are experienced in providing coverage for inflatables with substandard claims histories and other difficulties. Indoors or outdoors, we create customized commercial liability policies specifically designed for your inflatables business, including product liability, that will keep you operating and defend you in the event you are named in an incident, claim, or lawsuit.
INFORMATION ABOUT INFLATABLES INSURANCE AND BOUNCE HOUSE INSURANCE
INFLATABLES INSURANCE WITH XINSURANCE
Renting an inflatable for your kid’s birthday party? Think twice, because the manufacturer, installer and even the property owner can be held liable for injury — even if your guests signed a waiver beforehand. But there is something you can do to protect against costly litigation — specialty liability inflatables insurance from XINSURANCE.
XINSURANCE offers an all-in-one approach, limits up to $10 million, accepts occurrence forms, and is available in all 50 states. Product liability can now be included in your policy.
Who Can We Help?
Businesses: XINSURANCE can provide customized liability insurance solutions for businesses that own or rent out inflatables such as bounce houses, slides, and more. We can provide coverage for special events such as carnivals and street festivals, too! Whether you’re a bar with a mechanical bull or setting up a carnival with inflatables, we can help!
Individuals: We can also help people who are renting an inflatable device such as putting a bounce house in their backyard. They are typically hosting a party or special event and want to protect themselves from liability.
Here are some types of inflatables that we can cover:
- Bounce houses
- Inflatable slides and inflatable waterslides
- Inflatable mechanical bull rings
- Inflatable wrestling/boxing rings
- Party equipment rentals
- Inflatable obstacle courses
- And more!
Frequently Asked Questions About Inflatables Insurance
We often receive the following questions about inflatables insurance:
- Do you allow unsupervised rentals? Yes!
- Can you cover the equipment for damages? Yes!
- Do you allow customers to come pick up the equipment? Yes!
- Can you cover soft play equipment? Yes!
- Do you cover inflatable water parks? Yes!
- Can you cover our other equipment besides our inflatables? Yes!
With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.
QUESTIONS TO CONSIDER
QUESTIONS TO CONSIDER
Q. Are bounce houses safe?
A. Although they seem pretty harmless, the accidents usually involve falls and faulty installation. Strong winds and poor anchoring can result in either the sets collapsing or becoming airborne. Also, the installations are not always inspected and well-regulated. Fortunately, we provide focused risk management practices to eliminate or reduce controllable losses.
Q. If someone gets injured in a bounce house rental, can the business owner be sued?
A. Participants may be able to sue the business owner or operator of the bounce house for negligence. In order to prove negligence, they will have to show that the responsible party breached a duty of care which led to an injury.
Q. Does the state need a certificate of inspection for the bounce house to operate?
A. There are standard installation guidelines, proper anchoring methods, weight limits, and safe operating protocols – including instructions on the weather conditions to avoid. Not all states need a certificate of inspection before operating these bounce houses. This allows less than adequate measures during installation, which is a set-up for an accident.
KNOW THE FACTS
More than 90% of inflatable amusement injuries were linked to moon bounces. Of those injuries, 2/3 involved people’s arms and legs. Another 15% of injuries affected the head or face.
Associations
XINSURANCE, Powered by Evolution Insurance Brokers, is a proud member of IAAPA (International Association of Amusement Parks and Attractions).
FEATURED PRODUCTS
FEATURED PRODUCTS
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