Water Park Insurance

Specialty insurance solutions tailored to your unique needs.
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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.

What is Water Park Insurance?

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!
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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.

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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

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.

Can water parks get insurance that covers weather-related closures?

Yes, we can business interruption insurance solutions, which can include coverage for income lost due to forced closures from adverse weather. We can also provide property coverage solutions that can cover physical assets of the park from weather-related incidents.

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.

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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.


XINSURANCE is a proud member of the World Waterpark Association (WWA).

The World Waterpark Association is an international not-for-profit member-based trade association that serves waterparks, aquatic venues and spray parks of all shapes and sizes. The WWA is focused on providing park and supplier members with the education and networking that they need to operate safely and effectively.

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