Parks and Recreation Insurance

Specialty insurance solutions tailored to your unique needs.
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From playgrounds to parks, XINSURANCE provides specialty coverage solutions for the parks and recreation industry.

Go beyond the basics with insurance that elevates your recreational management and step into nature’s playground as we provide the safety net for all your parks and recreation needs.

What is Parks and Outdoor Recreation Insurance?

Parks and Recreation Insurance is designed to provide a safeguard for a wide array of recreational spaces and activities, including playgrounds, sports programs and facilities, recreation centers, parks, dog parks, swimming pools, and many others. It’s crafted to embrace the unique needs and risks associated with managing and maintaining spaces dedicated to leisure, athletics, and community engagement. In an industry where the unexpected can happen amidst the fun and games, having a specialized insurance partner like XINSURANCE is not just about risk management—it’s about ensuring the continuity and excellence of the recreational experiences you offer.

At XINSURANCE, we understand the complexities and nuances of the parks and recreation sector. With our hands-on approach and over 40 years of experience, we excel in crafting solutions that go beyond traditional policies, filled with exclusions, to offer true peace of mind. Ensuring your parks and recreational facilities are covered allows you to focus on what you do best—providing memorable and safe experiences for all who visit.

Who Should Have Parks & Recreation Insurance

  • Parks
  • Playgrounds
  • Recreation Facilities
  • Community Centers
  • Dog Parks
  • Gyms & Fitness Centers
  • Tot Lots
  • Equipment Rentals
  • And More!
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Parks and Recreation Insurance Coverage Options

Commercial General Liability

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

Property Coverage

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

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.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

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

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 regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you 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.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

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

Premises Liability

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

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.

Riot and Civil Commotion Liability

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

TRU Umbrella

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

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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

FAQ About Parks & Recreation Insurance

Can I get coverage for a one-time event?

Yes, we can offer event-specific insurance solutions that provide coverage for single events, such as tournaments, fairs, or one-day recreational activities.

Does parks and recreation insurance cover volunteer workers?

Typically, yes, but this coverage often needs to be specified. Volunteers undergo risks similar to employees, and their inclusion in the policy helps protect the organization against liability claims arising from volunteer activities.

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.

How much does parks and recreation insurance cost?

The cost varies widely depending on the type of activities covered, the number of participants or visitors, the location of the operations, the specific risks involved, and more. It’s best to contact us and tell us more about your insurance needs so we can provide a personalized quote.

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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