Inflatables & Bounce House Business Insurance

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Bounce houses are bright, fun, and friendly — but as inflatables become more popular, incidents and accidents also become more prevalent.

With the increased risk of injury, inflatables insurance becomes more of a necessity. Every year, there’s a significant number of injuries in bounce house-related incidents. When accidents happen, will you be held liable? Make sure you’re covered with XINSURANCE.

True Peace of Mind With Proper Bounce House Liability Insurance

If you’ve already experienced a bounce house accident and faced legal claims, you know it can be tough to obtain or maintain coverage. You also know the importance of finding an insurance partner with an expert understanding of the specific risk factors of your business.

We are experienced in providing insurance solutions for inflatables — even in the face of claims histories and other difficulties. We create customized commercial liability policies specifically designed for your inflatables business, whether outdoors or indoors, that will keep you operating and defend you in the event you are named in an incident, claim, or lawsuit.

Types of Inflatables and Businesses We Can Help

  • Bounce Houses
  • Party Equipment Rentals
  • Inflatable Slides
  • Inflatable Obstacle Courses
  • Inflatable Mechanical Bull Rings
  • Carnivals
  • Street Festivals
  • Inflatable Water Parks
  • Inflatable Wrestling/Boxing Rings
  • Special Events
  • And More!
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Coverage Options for Inflatables Insurance

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Equipment Rental Liability

Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Can also include coverage for people who are renting an inflatable device — such as putting a bounce house in their backyard.

TRU Umbrella

Covers the gaps and exclusions in your primary policy. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Property Coverage

Covers the business’ property and the contents within it from weather-related risks, vandalism, and theft.

Commercial Auto*

Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.

*Available in most states

Special Events

Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.

Alleged Sexual Abuse & Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Alleged Assault & Battery Liability

Coverage for claims against you regarding assault and/or battery.

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Want to Bundle This Coverage with More?

 

Our TRU Umbrella plan allows you to consolidate your coverage needs into one, fully custom plan. Enhance your protection and fill the gaps with XINSURANCE TRU Umbrella.
Learn More

FAQ About Inflatables Insurance

Are bounce houses dangerous?

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 and reduce controllable losses.

If someone is injured in a bounce house rental, can the owner be sued?

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 that led to an injury.

Does the state need a certificate of inspection for the bounce house to operate?

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 accidents.

Can you cover the equipment for damages?

Yes!

Can you cover soft play equipment?

Yes!

Can you cover our other equipment besides our inflatables?

Yes!

Do you allow unsupervised rentals?

Yes!

Do you allow customers to come pick up the equipment?

Yes!

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Your Partner In Proactive Prevention

When running a business where you face the risk of liability, you need a partner who can help you mitigate risk before an incident to reduce controllable losses and cover you legally in case of an accident.

We are the partner with expertise in covering everything inflatable, and a hands-on approach to assisting our clients run a successful business and reduce risk whenever possible.

Associations

XINSURANCE, Powered by Evolution Insurance Brokers, is a proud member of IAAPA
(International Association of Amusement Parks and Attractions).

xinsurance is a 2024 IAAPA member

Know the Facts

n the United States alone, more than 10,000 people annually visit the emergency room for bouncy-castle-related injuries.

children can become injured in bounce houses if they’re jumped on or knocked into by other children, if they fall out, or if the house deflates or collapses, suffocating them.

A documented 132 cases of wind-related bounce house incidents worldwide between 2000–2021 caused at least 479 injuries and at least 28 deaths.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!

– Dave H.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service

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