Request your quote for amusement and recreation liability insurance.





Approximately 375 million people visit more than 400 amusement parks in the US every year. As an owner or operator, you probably wear many different hats. From amusement parks and theme parks to trampoline parks or family fun centers; there will be a lot going on and your first concern should be the safety of your guests and employees. With crowds, rides, and some adrenaline, accidents are bound to happen. Wouldn’t it be nice to have fun AND true peace of mind?

We will be exhibiting at the 2022 IAAPA Expo from November 15th to November 18th in Orlando, Florida!
Visit our booth to meet the X-Team and learn about our customized insurance solutions for the attractions industry!

insurance for the amusement and recreation industry


What Is Amusement Park Insurance?

Business insurance for amusement parks protects your assets in the wake of injury and property damage claims made by third parties. Without the coverage, your company could be on the hook for thousands or even millions of dollars in damages. A customized amusement park insurance plan from XINSURANCE will enable you to mitigate the risk of lawsuits that could jeopardize the viability of your business.

In addition to providing bodily injury and property damage protection up to the limits of the policy, Commercial General Liability (CGL) plans may also cover medical payments as well as personal and advertising injury claims. If a case goes to court, the insurance will pay for the cost of mounting a legal defense.

How Does Amusement Park Insurance Work?

An amusement park environment sets the stage for a variety of scenarios where liability insurance could play a role in protecting your business. Here are a few examples:

  • Ride-related injuries: A child is injured when a ride malfunctions. If it’s determined that park personnel did not perform timely inspections, the business could be deemed negligent and be required to award damages to the injured party. Insurance for family entertainment centers would likely cover the medical bills as well as any settlements or judgments. It would also provide coverage if you failed to post adequate warnings regarding the potential risks posed by a ride.
  • Slips and falls: Water parks are particularly vulnerable to premises liability claims. Your business could be held responsible if a guest suffers an injury after slipping and falling on a wet surface. In a worst-case scenario, the family of a drowning victim could sue your business. Amusement park insurance could protect you in these situations.
  • Advertising: Physical injuries aren’t the only liability issues that recreation parks face. Suppose you launch an advertising campaign featuring a new logo that closely resembles one used by another park. The owners of the other facility could sue you and your business for logo or trademark infringement. Your liability policy could prevent a substantial financial loss that would cripple your company.
  • Communicable Disease Coverage: Offers liability protection, resulting directly from a pandemic, in the event you are named in a lawsuit regarding a customer alleging they were exposed from your operation.

Who Needs Amusement and Recreation Industry Insurance?

This industry is particularly risky when you consider large crowds of people, mechanical rides, and anything else that draws people to your attraction. We can help a variety of businesses in the amusement and recreation industry that are in need of liability insurance. Below are some examples:

  • Amusement Parks and Amusement Rides
  • Theme Parks and Theme Park Rides
  • Family Fun Centers
  • Adventure Parks
  • Trampoline Parks and Indoor Trampolines
  • Inflatables (Bounce Houses, Inflatable Water Slides, Inflatable Rentals, Inflatable Mechanical Bulls, etc.)
  • Special Events
  • Water Parks


With XINSURANCE, you will have the customized coverage you need through our all-in-one approach with direct access to underwriting, risk management, and claims management. By reviewing your operations and experience level, we provide customized insurance solutions made to fit the needs of your business. With XINSURANCE, no ride is too big or too fast – no matter the risk or history, we are here to help you.

XINSURANCE offers limits up to $10 million (with higher limits available), accepts occurrence forms, and is available in all 50 states. We can now include product liability in your policy.

XINSURANCE and Associations

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

IAAPA Member Logo 2023

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.




Insurance for the Amusement and Recreation Industry

Emergency rooms saw an estimated 30,000 injuries linked to amusement parks in 2016, according to the US Consumer Product Safety Commission. (source)

Insurance for the Amusement and Recreation Industry

The CPSC oversees the regulation of mobile amusement parks. But, it’s up to the individual state or locality to decide who is responsible for inspections of the mobile parks. Several states do not regulate amusement parks at all. (source)

Insurance for the Amusement and Recreation Industry

Children represent about one half of those injured by amusement park rides, with kids between ten and 14 years old sustaining the most injuries of any age group — 17.9% of all reported injuries. (source)

Start Today With Our Streamlined Quote Process

At XINSURANCE, we make getting a quote for amusement park business insurance as fast and easy as possible. Start by filling out our online application with information about your business. Our underwriters will then conduct a telephone interview to gather additional information regarding the nature of the risk. After the call, we’ll issue a quote for your review. Once you accept the terms, we’ll issue the policy.

Get started with a free quote for amusement park insurance today!

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