Water parks come with great risk, make sure your business has liability insurance that actually covers you.
We offer customized liability insurance solutions that cover the unique risks of water parks, ensuring comprehensive protection so you can focus on delivering unforgettable experiences.
Comprehensive Coverage for Water Park Operators
Water park insurance is a specialized form of liability insurance designed to address the unique risks and challenges associated with operating a water-based amusement facility. As a water park owner or manager, it’s paramount to understand that your venture thrives on not just the joy and excitement it provides but also on the safety and security it offers to its patrons. Navigating through the complexities of running such a venue requires a vigilant approach towards potential liabilities, making water park insurance not just a necessity, but a cornerstone of your business’s resilience and longevity.
Choosing the right partner, like XINSURANCE, to secure your liability insurance means opting for peace of mind and unwavering support. In an environment where injuries, property damage, and water-related incidents are not uncommon, having a robust backing that understands the intricacies of your operation is invaluable. Many insurance companies will deny coverage, but we will find a solution regardless of size, rides, location, claims history, or any other reason that many of the other carriers could be throwing at you. Get a quote today!
Who Should Have Water Park Insurance?
- Water Parks (indoor/outdoor)
- Resorts & Hotels
- Amusement Parks
- Theme Parks
- Community Pools
- Recreation Centers
- Cruise Ships
- Campsites
- And More!
Coverages
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.
Professional Liability
Coverage for claims regarding negligent acts and more. 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.
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.
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
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.
Liquor Liability
Coverage for businesses that provide the sale, service, or furnish of alcohol. 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.
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.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
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
Water Park Insurance FAQs
Will a liability waiver protect a water park from a lawsuit?
Although not enforceable in some states and enforceable in limited circumstances in others, liability waivers can be a useful tool, but they must be worded as clearly as possible. Courts will determine whether the average person would have been able to understand that, by signing the waiver, he or she was giving up the right to sue.
A liability waiver offers some protection to water parks against lawsuits from ordinary incidents, but it’s not bulletproof. It cannot shield a park completely, especially against claims of gross negligence or other serious faults. Courts might still allow lawsuits to proceed if the waiver is deemed unfair or if the incident involved exceeds what the waiver covers. Thus, while waivers can reduce legal risks, they don’t eliminate them entirely.
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.
What does liability insurance for water parks do?
Sometimes, accidents happen at water parks. Slips and falls, water with too much chlorine, or another injury can occur. Or an advertising campaign could go awry and lead another water park or customer to sue your business for content they felt was inaccurate.
When an accident or other unforeseen circumstance occurs, it’s essential to be prepared and move forward from the situation. Our insurance offerings allow you to rest assured that you have coverage if something unexpected happens at your facility.
Water park liability insurance gives you true peace of mind by protecting your assets in the case of a lawsuit. With our business insurance options, we offer accident and commercial general liability (CGL) insurance to cover a variety of potential lawsuits. We can also help protect your business in the case of accidents, negligence, or lawsuits.
Having the right insurance can save you thousands of dollars in court fees. We can provide coverage for settlement costs or a jury verdict, as well as other court fees. If you encounter a challenging legal situation, you can have the peace of mind that we’re on your side throughout the process.
How much does water park insurance cost?
Costs vary based on the size and location of the park, the number and type of attractions, claims history, and much more. It is best to contact XINSURANCE and tell us more about your insurance needs so we can provide a personalized quote.
Why You Need Water Park Insurance
Water park insurance is essential because it protects your business from the unique risks and liabilities associated with operating such a facility. It covers injuries or accidents that may occur, safeguarding your financial stability and reputation.
This insurance is a vital part of running a safe, enjoyable, and sustainable operation in the amusement industry.
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.
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
Outdoor Recreation Industry
We provide customized insurance solutions for the outdoor recreation industry for businesses and individuals. We can help outfitters and guides, guided tours, rental equipment, special events, and so much more for any outdoor recreational activity!
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
