Commercial General Liability
Water-park-specific forms protect attractions, queues, events, and high-density guest operations from everyday liability claims.
WATER PARKS & RESORTS
Because for a water park, excess placement is the hardest part of the program — and the part that matters most.
What Makes This Risk Different
Drowning is the most catastrophic risk in this industry. Fatal claims reach $10 million or more per occurrence, and near-drowning claims involving permanent brain injury generate larger verdicts still. The presence and quality of lifeguard coverage is the single most important factor in how a water park account is evaluated — ratios, certification standard, and surveillance discipline matter more than almost anything else on the submission.
Around that sit exposures most standard forms handle badly or not at all: slide injuries from flume strikes and improper positioning, recreational water illness outbreaks that can infect hundreds of guests in one event, chemical storage and accidental release, wave pool and filtration machinery that is proprietary and slow to repair, and a revenue model that concentrates the year into 90 to 120 days. Indoor parks add year-round humidity, mold, and structural moisture exposure on top.
COVERAGE FOR THIS CLASS
What We Write for Water Parks & Resorts
Guest & Public Liability
Umbrella / Excess Liability
High-limit excess towers protect water parks against catastrophic claims that could otherwise threaten the entire business.
Participant Legal Liability
Covers activity-related guest injuries that standard premises liability policies may not reach at water parks.
Ride & Attraction Liability
Protects mechanical and non-mechanical attractions using ASTM standards, engineering tolerances, and state inspection requirements.
Aquatic & Water Park Liability
Addresses drowning claims, lifeguard standards, certification requirements, and aquatic health-code compliance for water parks.
Sexual Abuse & Molestation (SAM)
Provides separate protective limits for claims involving minors without eroding the water park’s general liability coverage.
Active Assailant & Terrorism (TRIA)
Fills terrorism-related gaps for victim costs, business interruption, and coordinated crisis response at water parks.
Liquor Liability
Protects water-park venues serving alcohol through dedicated coverage tailored beyond standard liability endorsements.
Workforce & People
Employment Practices Liability (EPLI)
Addresses harassment, discrimination, and wage-and-hour claims across young, seasonal, and high-turnover water-park teams.
Workers' Compensation
Protects seasonal, J-1, and full-time water-park employees while coordinating effective return-to-work programs.
Accident Medical Coverage
Pays first-party medical costs for smaller participant and guest injuries arising at water-park operations.
Employee Benefits
Coordinates health, dental, vision, life, and pharmacy benefits for seasonal and full-time water-park teams.
Payroll & HR Support
Provides outsourced payroll, HR administration, and compliance support for water parks without in-house teams.
Background Screening
Screens high-volume seasonal water-park hires to meet carrier requirements and child-safety expectations.
Property, Equipment & Continuity
Equipment Breakdown
Covers ride drives, pumps, filtration, life-support systems, and mechanical assets essential to daily water-park operations.
Commercial Property
Protects slides, pools, buildings, filtration infrastructure, and other specialized water-park property at appropriate values.
Business Interruption
Replaces seasonal revenue and funds extra expenses when covered shutdowns interrupt water-park operations.
Event Cancellation & Weather Contingency
Protects water-park revenue and event costs when severe weather or public-health events force cancellation.
Cyber Liability
Protects ticketing, payment systems, guest data, and operational technology controlling water-park attractions.
Pollution Liability
Covers chemical storage, accidental releases, and recreational-water contamination often excluded by standard policies.
Crime / Employee Dishonesty
Protects cash-heavy gate, concession, and retail operations from employee theft and dishonest acts.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
Offers qualified water-park operators captive and alternative risk-financing structures that can retain underwriting profit.
Contractual Risk Transfer Advisory
Reviews insurance certificates, additional-insured terms, and indemnification language across water-park vendor relationships.
Waiver & Release Consulting
Strengthens water-park participant waivers through sound drafting, administration, retention, and jurisdiction-specific guidance.
Risk Management & Loss Control
Delivers year-round water-park safety reviews, compliance support, loss control, and incident-response guidance.
Claims Advocacy & Crisis Readiness
Combines claims advocacy with water-park incident planning, pre-loss readiness, and crisis-communications support.
Safety Library
Provides on-demand water-park safety resources aligned with IAAPA Safety Institute standards and operating practices.
Coverage Adequacy & Contract Audit
Compares water-park coverage limits against contractual requirements, landlord obligations, and municipal insurance standards.
Simplified Onboarding
Replaces duplicate water-park applications with one streamlined digital intake across the complete coverage portfolio.
Dedicated Service Team
Connects water-park members directly with specialists who underwrite, service, and advocate for their accounts.
Exclusive Member Discounts
Offers IAAPA water-park members exclusive pricing and incentives across coverage lines and 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.
Start With the Hardest Part
Let’s design your program from the excess tower down.
WATER PARKS & RESORTS
Because for a water park, excess placement is the hardest part of the program — and the part that matters most.
What Makes This Risk Different
Drowning is the most catastrophic risk in this industry. Fatal claims reach $10 million or more per occurrence, and near-drowning claims involving permanent brain injury generate larger verdicts still. The presence and quality of lifeguard coverage is the single most important factor in how a water park account is evaluated — ratios, certification standard, and surveillance discipline matter more than almost anything else on the submission.
Around that sit exposures most standard forms handle badly or not at all: slide injuries from flume strikes and improper positioning, recreational water illness outbreaks that can infect hundreds of guests in one event, chemical storage and accidental release, wave pool and filtration machinery that is proprietary and slow to repair, and a revenue model that concentrates the year into 90 to 120 days. Indoor parks add year-round humidity, mold, and structural moisture exposure on top.
COVERAGE FOR THIS CLASS
What We Write for Water Parks & Resorts
Guest & Public Liability
Commercial General Liability
Water-park-specific forms protect attractions, queues, events, and high-density guest operations from everyday liability claims.
Umbrella / Excess Liability
High-limit excess towers protect water parks against catastrophic claims that could otherwise threaten the entire business.
Participant Legal Liability
Covers activity-related guest injuries that standard premises liability policies may not reach at water parks.
Ride & Attraction Liability
Protects mechanical and non-mechanical attractions using ASTM standards, engineering tolerances, and state inspection requirements.
Aquatic & Water Park Liability
Addresses drowning claims, lifeguard standards, certification requirements, and aquatic health-code compliance for water parks.
Sexual Abuse & Molestation (SAM)
Provides separate protective limits for claims involving minors without eroding the water park’s general liability coverage.
Active Assailant & Terrorism (TRIA)
Fills terrorism-related gaps for victim costs, business interruption, and coordinated crisis response at water parks.
Liquor Liability
Protects water-park venues serving alcohol through dedicated coverage tailored beyond standard liability endorsements.
Workforce & People
Employment Practices Liability (EPLI)
Addresses harassment, discrimination, and wage-and-hour claims across young, seasonal, and high-turnover water-park teams.
Workers' Compensation
Protects seasonal, J-1, and full-time water-park employees while coordinating effective return-to-work programs.
Accident Medical Coverage
Pays first-party medical costs for smaller participant and guest injuries arising at water-park operations.
Employee Benefits
Coordinates health, dental, vision, life, and pharmacy benefits for seasonal and full-time water-park teams.
Payroll & HR Support
Provides outsourced payroll, HR administration, and compliance support for water parks without in-house teams.
Background Screening
Screens high-volume seasonal water-park hires to meet carrier requirements and child-safety expectations.
Property, Equipment & Continuity
Equipment Breakdown
Covers ride drives, pumps, filtration, life-support systems, and mechanical assets essential to daily water-park operations.
Commercial Property
Protects slides, pools, buildings, filtration infrastructure, and other specialized water-park property at appropriate values.
Business Interruption
Replaces seasonal revenue and funds extra expenses when covered shutdowns interrupt water-park operations.
Event Cancellation & Weather Contingency
Protects water-park revenue and event costs when severe weather or public-health events force cancellation.
Cyber Liability
Protects ticketing, payment systems, guest data, and operational technology controlling water-park attractions.
Pollution Liability
Covers chemical storage, accidental releases, and recreational-water contamination often excluded by standard policies.
Crime / Employee Dishonesty
Protects cash-heavy gate, concession, and retail operations from employee theft and dishonest acts.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
Offers qualified water-park operators captive and alternative risk-financing structures that can retain underwriting profit.
Contractual Risk Transfer Advisory
Reviews insurance certificates, additional-insured terms, and indemnification language across water-park vendor relationships.
Waiver & Release Consulting
Strengthens water-park participant waivers through sound drafting, administration, retention, and jurisdiction-specific guidance.
Risk Management & Loss Control
Delivers year-round water-park safety reviews, compliance support, loss control, and incident-response guidance.
Claims Advocacy & Crisis Readiness
Combines claims advocacy with water-park incident planning, pre-loss readiness, and crisis-communications support.
Safety Library
Provides on-demand water-park safety resources aligned with IAAPA Safety Institute standards and operating practices.
Coverage Adequacy & Contract Audit
Compares water-park coverage limits against contractual requirements, landlord obligations, and municipal insurance standards.
Simplified Onboarding
Replaces duplicate water-park applications with one streamlined digital intake across the complete coverage portfolio.
Dedicated Service Team
Connects water-park members directly with specialists who underwrite, service, and advocate for their accounts.
Exclusive Member Discounts
Offers IAAPA water-park members exclusive pricing and incentives across coverage lines and 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.
Start With the Hardest Part
Let’s design your program from the excess tower down.
WATER PARKS & RESORTS
Because for a water park, excess placement is the hardest part of the program — and the part that matters most.
What Makes This Risk Different
Drowning is the most catastrophic risk in this industry. Fatal claims reach $10 million or more per occurrence, and near-drowning claims involving permanent brain injury generate larger verdicts still. The presence and quality of lifeguard coverage is the single most important factor in how a water park account is evaluated — ratios, certification standard, and surveillance discipline matter more than almost anything else on the submission.
Around that sit exposures most standard forms handle badly or not at all: slide injuries from flume strikes and improper positioning, recreational water illness outbreaks that can infect hundreds of guests in one event, chemical storage and accidental release, wave pool and filtration machinery that is proprietary and slow to repair, and a revenue model that concentrates the year into 90 to 120 days. Indoor parks add year-round humidity, mold, and structural moisture exposure on top.
COVERAGE FOR THIS CLASS
What We Write for Water Parks & Resorts
Guest & Public Liability
Commercial General Liability
Water-park-specific forms protect attractions, queues, events, and high-density guest operations from everyday liability claims.
Umbrella / Excess Liability
High-limit excess towers protect water parks against catastrophic claims that could otherwise threaten the entire business.
Participant Legal Liability
Covers activity-related guest injuries that standard premises liability policies may not reach at water parks.
Ride & Attraction Liability
Protects mechanical and non-mechanical attractions using ASTM standards, engineering tolerances, and state inspection requirements.
Aquatic & Water Park Liability
Addresses drowning claims, lifeguard standards, certification requirements, and aquatic health-code compliance for water parks.
Sexual Abuse & Molestation (SAM)
Provides separate protective limits for claims involving minors without eroding the water park’s general liability coverage.
Active Assailant & Terrorism (TRIA)
Fills terrorism-related gaps for victim costs, business interruption, and coordinated crisis response at water parks.
Liquor Liability
Protects water-park venues serving alcohol through dedicated coverage tailored beyond standard liability endorsements.
Workforce & People
Employment Practices Liability (EPLI)
Addresses harassment, discrimination, and wage-and-hour claims across young, seasonal, and high-turnover water-park teams.
Workers' Compensation
Protects seasonal, J-1, and full-time water-park employees while coordinating effective return-to-work programs.
Accident Medical Coverage
Pays first-party medical costs for smaller participant and guest injuries arising at water-park operations.
Employee Benefits
Coordinates health, dental, vision, life, and pharmacy benefits for seasonal and full-time water-park teams.
Payroll & HR Support
Provides outsourced payroll, HR administration, and compliance support for water parks without in-house teams.
Background Screening
Screens high-volume seasonal water-park hires to meet carrier requirements and child-safety expectations.
Property, Equipment & Continuity
Equipment Breakdown
Covers ride drives, pumps, filtration, life-support systems, and mechanical assets essential to daily water-park operations.
Commercial Property
Protects slides, pools, buildings, filtration infrastructure, and other specialized water-park property at appropriate values.
Business Interruption
Replaces seasonal revenue and funds extra expenses when covered shutdowns interrupt water-park operations.
Event Cancellation & Weather Contingency
Protects water-park revenue and event costs when severe weather or public-health events force cancellation.
Cyber Liability
Protects ticketing, payment systems, guest data, and operational technology controlling water-park attractions.
Pollution Liability
Covers chemical storage, accidental releases, and recreational-water contamination often excluded by standard policies.
Crime / Employee Dishonesty
Protects cash-heavy gate, concession, and retail operations from employee theft and dishonest acts.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
Offers qualified water-park operators captive and alternative risk-financing structures that can retain underwriting profit.
Contractual Risk Transfer Advisory
Reviews insurance certificates, additional-insured terms, and indemnification language across water-park vendor relationships.
Waiver & Release Consulting
Strengthens water-park participant waivers through sound drafting, administration, retention, and jurisdiction-specific guidance.
Risk Management & Loss Control
Delivers year-round water-park safety reviews, compliance support, loss control, and incident-response guidance.
Claims Advocacy & Crisis Readiness
Combines claims advocacy with water-park incident planning, pre-loss readiness, and crisis-communications support.
Safety Library
Provides on-demand water-park safety resources aligned with IAAPA Safety Institute standards and operating practices.
Coverage Adequacy & Contract Audit
Compares water-park coverage limits against contractual requirements, landlord obligations, and municipal insurance standards.
Simplified Onboarding
Replaces duplicate water-park applications with one streamlined digital intake across the complete coverage portfolio.
Dedicated Service Team
Connects water-park members directly with specialists who underwrite, service, and advocate for their accounts.
Exclusive Member Discounts
Offers IAAPA water-park members exclusive pricing and incentives across coverage lines and 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.
Start With the Hardest Part
Let’s design your program from the excess tower down.