Insurance For The Amusement & Recreation Industry

Specialty business insurance solutions tailored to your unique needs.
Get Started

Comprehensive coverage solutions for every attraction, ensuring safety, protection, and peace of mind for each unique element of your amusement business.

We understand that each ride, game, or attraction in your amusement park, carnival, or entertainment facility has its distinct charm, size, complexity, and potential risks. Our specialized approach ensures that every element of your business is safeguarded. Your peace of mind is our priority as we keep your visitors safe and your business thriving amidst the excitement and adventure.

The Importance of Insurance in the Amusement Industry

Specialty insurance is a vital component of the amusement industry, where joy and adventure come together. There are 3 main reasons you should have insurance for your amusement and recreation business:

  1. Comprehensive Protection: XINSURANCE offers tailored and comprehensive coverage solutions for the amusement and recreation industry, ensuring that each unique element is safeguarded against potential risks.
  2. Risk Mitigation: Insurance goes beyond mere coverage, actively identifying and mitigating potential risks, helping to prevent accidents, and safeguarding your business against unexpected setbacks like equipment breakdowns.
  3. Peace of Mind: It provides peace of mind to business owners and operators, allowing them to focus on creating unforgettable experiences for visitors while ensuring that the business can be protected against the inherent risks of this thrilling industry.

Types of Businesses We Can Help

  • Amusement Parks
  • Carnivals
  • Theme Parks
  • Family Fun Centers
  • Trampoline Parks
  • Water Parks
  • Inflatables
  • Go-Kart Tracks
  • Mini Golf Courses
  • Ride Manufacturers
  • Event Organizers
  • Concessionaries & Vendors
  • Entertainers
  • And More
View All

Amusement Industry Insurance Coverage Solutions

Commercial General Liability

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

Equipment Coverage

Coverage for equipment, including rentals, used by the company in case of malfunctions or theft.

Premises Liability

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

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Commercial Auto*

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

*Available in most states

Liquor Liability

Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Alleged Assault and Battery Liability

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

Alleged Sexual Abuse and Molestation Liability

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

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.

Communicable Disease Liability

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

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Products Liability

Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

Special Events Liability

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

View All

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

Learn More

What Types of Coverage Do Amusement Parks and Attractions Need?

The type of insurance coverage needed in the amusement and recreation industry will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick which coverages you want to have on your insurance policy.

What Is The Cost of Insurance For Amusement Businesses

The cost of insurance for amusement businesses varies based on several factors, including the size and type of the business, the specific coverages needed, the types of attractions available, the location, and more. To get an accurate cost estimate, contact XINSURANCE today.

Why Should I Have Insurance For My Amusement and Recreation Business?

You need insurance if you have a business in the amusement and recreation industry to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having specialty insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, liability insurance may be required.

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

View All

XINSURANCE Presents: Amusement Rentals with All-Star Events

XINSURANCE’s insurance solutions helped All-Star Events to grow. Now, All-Star Events is one of the largest inflatables company in all of Florida. This is their story…


XINSURANCE is a proud member of the International Association of Amusement Parks and Attractions (IAAPA).

IAAPA is the premier trade association representing the diverse and ever-changing attractions industry. For over a century they have connected companies of all sizes, and people of all levels, to provide meaningful experiences for their guests around the world.

xinsurance is a 2024 IAAPA member

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

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