Participant Legal Liability
For family entertainment centers and location-based entertainment venues, this coverage provides coverage for injuries sustained during the activity itself, the exposure standard premises CGL does not reach.
FAMILY ENTERTAINMENT CENTERS
Trampolines, go-karts, climbing, axe throwing, and the bar — underwritten attraction by attraction, with the paperwork handled.
What Makes This Risk Different
FEC and LBE venues carry among the highest injury frequency rates in the recreation industry, and the market has responded. Trampoline park claims have driven multiple carriers out of the segment entirely. Axe throwing combined with unrestricted alcohol service is one of the hardest placements in the market today. And the newer LBE format — where dining, bar service, and physical activity share a floor — has created a risk combination that most standard forms were never written for.
Two gaps define this constituency. Standard premises general liability does not respond to injuries sustained during the activity itself, which for a trampoline park or climbing gym is essentially the entire exposure. And abuse and molestation coverage, essential for any venue where a significant share of guests are minors, is now excluded from most standard policies and must be written separately. Meanwhile most operators run without in-house risk management or HR, managing a young high-turnover workforce and a calendar full of private parties.
COVERAGE FOR THIS CLASS
What We Write for FECs & LBE Venues
Guest & Public Liability
Sexual Abuse & Molestation (SAM)
For family entertainment centers and location-based entertainment venues, this coverage provides a separate limit with its own aggregate so a SAM claim does not erode the general liability limit, essential for any venue serving minors.
Liquor Liability
For family entertainment centers and location-based entertainment venues, this coverage provides coverage for venues serving alcohol, often better written as a separate policy than a CGL endorsement.
Commercial General Liability
For family entertainment centers and location-based entertainment venues, this coverage provides the foundation liability policy for every attraction, written on forms shaped to ride operation, queue-line incidents, special events, and high guest density rather than generic commercial GL.
Umbrella / Excess Liability
For family entertainment centers and location-based entertainment venues, this coverage provides the line that determines whether a catastrophic claim ends the business; towers are built from the excess down to match the severity this industry actually faces.
Ride & Attraction Liability
For family entertainment centers and location-based entertainment venues, this coverage provides purpose-built coverage for mechanical and non-mechanical rides, underwritten against ASTM F24 standards, engineering tolerances, and state inspection regimes.
Aquatic & Water Park Liability
For family entertainment centers and location-based entertainment venues, this coverage provides coverage addressing drowning and near-drowning claims, lifeguard staffing and certification standards, and CDC Model Aquatic Health Code compliance.
Active Assailant & Terrorism (TRIA)
For family entertainment centers and location-based entertainment venues, this coverage provides closes the gap TRIA and standard CGL leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
Workforce & People
Employment Practices Liability (EPLI)
For family entertainment centers and location-based entertainment venues, this coverage provides built for a workforce that is young, seasonal, and high-turnover by design, addressing harassment, discrimination, and wage-and-hour claims.
Workers' Compensation
For family entertainment centers and location-based entertainment venues, this coverage provides built for the seasonal, J-1, and full-time staffing mix and the elevated class codes attractions carry, coordinated with return-to-work programs.
Accident Medical Coverage
For family entertainment centers and location-based entertainment venues, this coverage provides first-party medical coverage for participant and guest injuries that resolves smaller claims outside the liability program.
Employee Benefits
For family entertainment centers and location-based entertainment venues, this service provides full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside P&C placement.
Payroll & HR Support
For family entertainment centers and location-based entertainment venues, this service provides outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
Background Screening
For family entertainment centers and location-based entertainment venues, this service provides compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
Property, Equipment & Continuity
Commercial Property
For family entertainment centers and location-based entertainment venues, this coverage provides coverage purpose-built for attractions properties, from coasters and animatronics to historic museum buildings, with underwriters who understand true replacement cost.
Equipment Breakdown
For family entertainment centers and location-based entertainment venues, this coverage covers ride drive systems, pumps, filtration, life-support infrastructure and similar mechanical assets essential to operations.
Business Interruption
For family entertainment centers and location-based entertainment venues, this coverage protects revenue when a ride goes down, weather closes the park, or an incident triggers an operational pause, built around this industry's seasonal revenue concentration.
Cyber Liability
For family entertainment centers and location-based entertainment venues, this coverage provides protection for ticketing, POS, guest data, and operational technology behind ride control, addressing both guest-data breach and OT compromise.
Crime / Employee Dishonesty
For family entertainment centers and location-based entertainment venues, this coverage provides for the high-volume cash operations at gates, concessions, and retail that create employee theft exposure.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
For family entertainment centers and location-based entertainment venues, this coverage provides for qualifying, well-run operators: access to captive and alternative risk transfer structures that let a member retain underwriting profit.
Contractual Risk Transfer Advisory
For family entertainment centers and location-based entertainment venues, this coverage provides structuring and reviewing certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Waiver & Release Consulting
For family entertainment centers and location-based entertainment venues, this coverage provides guidance on drafting, administering, and retaining participant waivers that hold up jurisdiction by jurisdiction.
Risk Management & Loss Control
For family entertainment centers and location-based entertainment venues, this service provides year-round risk management delivered through Higginbotham Day Two Services (r), including safety review, compliance, and incident response.
Claims Advocacy & Crisis Readiness
For family entertainment centers and location-based entertainment venues, this service provides 365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
Safety Library
For family entertainment centers and location-based entertainment venues, this service provides on-demand access to an attractions-focused safety library, co-developed with IAAPA Safety Institute standards.
Coverage Adequacy & Contract Audit
For family entertainment centers and location-based entertainment venues, this service provides a structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
Simplified Onboarding
For family entertainment centers and location-based entertainment venues, this service provides a single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
Dedicated Service Team
For family entertainment centers and location-based entertainment venues, this service provides direct access to a dedicated specialty service team, the same people who underwrite, service, and advocate for the account.
Exclusive Member Discounts
For family entertainment centers and location-based entertainment venues, this service provides member-only pricing and program incentives across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
The coverage available through IAAPA Insurance Solutions is built around how attractions actually operate — helping members manage catastrophic exposure, protect their guests and staff, and hold coverage that reflects the way the business really runs.
BUILT FOR THE INDUSTRY
Coverage forms, underwriting, and market access built for rides, water, animals, collections, and adventure — not generic commercial policies with riders attached.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with IAAPA Safety Institute standards and available to members worldwide.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you write classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Been Declined or Non-Renewed?
Start here. Hard-to-place is what this program was built for.
FAMILY ENTERTAINMENT CENTERS
Trampolines, go-karts, climbing, axe throwing, and the bar — underwritten attraction by attraction, with the paperwork handled.
What Makes This Risk Different
FEC and LBE venues carry among the highest injury frequency rates in the recreation industry, and the market has responded. Trampoline park claims have driven multiple carriers out of the segment entirely. Axe throwing combined with unrestricted alcohol service is one of the hardest placements in the market today. And the newer LBE format — where dining, bar service, and physical activity share a floor — has created a risk combination that most standard forms were never written for.
Two gaps define this constituency. Standard premises general liability does not respond to injuries sustained during the activity itself, which for a trampoline park or climbing gym is essentially the entire exposure. And abuse and molestation coverage, essential for any venue where a significant share of guests are minors, is now excluded from most standard policies and must be written separately. Meanwhile most operators run without in-house risk management or HR, managing a young high-turnover workforce and a calendar full of private parties.
COVERAGE FOR THIS CLASS
What We Write for FECs & LBE Venues
Guest & Public Liability
Participant Legal Liability
For family entertainment centers and location-based entertainment venues, this coverage provides coverage for injuries sustained during the activity itself, the exposure standard premises CGL does not reach.
Sexual Abuse & Molestation (SAM)
For family entertainment centers and location-based entertainment venues, this coverage provides a separate limit with its own aggregate so a SAM claim does not erode the general liability limit, essential for any venue serving minors.
Liquor Liability
For family entertainment centers and location-based entertainment venues, this coverage provides coverage for venues serving alcohol, often better written as a separate policy than a CGL endorsement.
Commercial General Liability
For family entertainment centers and location-based entertainment venues, this coverage provides the foundation liability policy for every attraction, written on forms shaped to ride operation, queue-line incidents, special events, and high guest density rather than generic commercial GL.
Umbrella / Excess Liability
For family entertainment centers and location-based entertainment venues, this coverage provides the line that determines whether a catastrophic claim ends the business; towers are built from the excess down to match the severity this industry actually faces.
Ride & Attraction Liability
For family entertainment centers and location-based entertainment venues, this coverage provides purpose-built coverage for mechanical and non-mechanical rides, underwritten against ASTM F24 standards, engineering tolerances, and state inspection regimes.
Aquatic & Water Park Liability
For family entertainment centers and location-based entertainment venues, this coverage provides coverage addressing drowning and near-drowning claims, lifeguard staffing and certification standards, and CDC Model Aquatic Health Code compliance.
Active Assailant & Terrorism (TRIA)
For family entertainment centers and location-based entertainment venues, this coverage provides closes the gap TRIA and standard CGL leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
Workforce & People
Employment Practices Liability (EPLI)
For family entertainment centers and location-based entertainment venues, this coverage provides built for a workforce that is young, seasonal, and high-turnover by design, addressing harassment, discrimination, and wage-and-hour claims.
Workers' Compensation
For family entertainment centers and location-based entertainment venues, this coverage provides built for the seasonal, J-1, and full-time staffing mix and the elevated class codes attractions carry, coordinated with return-to-work programs.
Accident Medical Coverage
For family entertainment centers and location-based entertainment venues, this coverage provides first-party medical coverage for participant and guest injuries that resolves smaller claims outside the liability program.
Employee Benefits
For family entertainment centers and location-based entertainment venues, this service provides full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside P&C placement.
Payroll & HR Support
For family entertainment centers and location-based entertainment venues, this service provides outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
Background Screening
For family entertainment centers and location-based entertainment venues, this service provides compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
Property, Equipment & Continuity
Commercial Property
For family entertainment centers and location-based entertainment venues, this coverage provides coverage purpose-built for attractions properties, from coasters and animatronics to historic museum buildings, with underwriters who understand true replacement cost.
Equipment Breakdown
For family entertainment centers and location-based entertainment venues, this coverage covers ride drive systems, pumps, filtration, life-support infrastructure and similar mechanical assets essential to operations.
Business Interruption
For family entertainment centers and location-based entertainment venues, this coverage protects revenue when a ride goes down, weather closes the park, or an incident triggers an operational pause, built around this industry's seasonal revenue concentration.
Cyber Liability
For family entertainment centers and location-based entertainment venues, this coverage provides protection for ticketing, POS, guest data, and operational technology behind ride control, addressing both guest-data breach and OT compromise.
Crime / Employee Dishonesty
For family entertainment centers and location-based entertainment venues, this coverage provides for the high-volume cash operations at gates, concessions, and retail that create employee theft exposure.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
For family entertainment centers and location-based entertainment venues, this coverage provides for qualifying, well-run operators: access to captive and alternative risk transfer structures that let a member retain underwriting profit.
Contractual Risk Transfer Advisory
For family entertainment centers and location-based entertainment venues, this coverage provides structuring and reviewing certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Waiver & Release Consulting
For family entertainment centers and location-based entertainment venues, this coverage provides guidance on drafting, administering, and retaining participant waivers that hold up jurisdiction by jurisdiction.
Risk Management & Loss Control
For family entertainment centers and location-based entertainment venues, this service provides year-round risk management delivered through Higginbotham Day Two Services (r), including safety review, compliance, and incident response.
Claims Advocacy & Crisis Readiness
For family entertainment centers and location-based entertainment venues, this service provides 365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
Safety Library
For family entertainment centers and location-based entertainment venues, this service provides on-demand access to an attractions-focused safety library, co-developed with IAAPA Safety Institute standards.
Coverage Adequacy & Contract Audit
For family entertainment centers and location-based entertainment venues, this service provides a structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
Simplified Onboarding
For family entertainment centers and location-based entertainment venues, this service provides a single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
Dedicated Service Team
For family entertainment centers and location-based entertainment venues, this service provides direct access to a dedicated specialty service team, the same people who underwrite, service, and advocate for the account.
Exclusive Member Discounts
For family entertainment centers and location-based entertainment venues, this service provides member-only pricing and program incentives across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
The coverage available through IAAPA Insurance Solutions is built around how attractions actually operate — helping members manage catastrophic exposure, protect their guests and staff, and hold coverage that reflects the way the business really runs.
BUILT FOR THE INDUSTRY
Coverage forms, underwriting, and market access built for rides, water, animals, collections, and adventure — not generic commercial policies with riders attached.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with IAAPA Safety Institute standards and available to members worldwide.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you write classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Been Declined or Non-Renewed?
Start here. Hard-to-place is what this program was built for.