EMPLOYEE BENEFITS & HR
EMPLOYEE BENEFITS & HR
Built Around Your Workforce
Attractions staff up with teenagers, J-1 visa holders, returning seasonal crews and a small year-round core — often several times over in a single season. That mix drives your workers' compensation class codes, your employment practices exposure, your benefits design, and most of your compliance calendar.
PEOPLE & COMPLIANCE
PEOPLE & COMPLIANCE
Workforce Support
Through Higginbotham's Benefits Division: group health, dental, vision, life and pharmacy programs, self-funded and captive options, outsourced payroll and HR administration, compliant background screening, and workers' compensation built for attractions class codes — coordinated by the same team that handles your P&C program.
Group Health, Dental, Vision & Life
Full-spectrum benefits through Higginbotham's Benefits Division, including pharmacy and an Employee Response Center, structured for organizations where the headcount on the benefits plan is a fraction of the headcount on the schedule.
Group Health, Dental, Vision & Life
Full-spectrum benefits through Higginbotham's Benefits Division, including pharmacy and an Employee Response Center, structured for organizations where the headcount on the benefits plan is a fraction of the headcount on the schedule.
Self-Funded & Captive Options
For operators with the scale and the loss experience to support it, self-funded health plans and benefits captive structures that retain what a fully insured plan surrenders to the carrier — evaluated on risk, never on tax treatment.
Self-Funded & Captive Options
Member-only pricing and program incentives across covered lines and program-related services. A quantifiable financial return on IAAPA membership that shows up at every renewal, not just in the benefits brochure.
Self-Funded & Captive Options
For operators with the scale and the loss experience to support it, self-funded health plans and benefits captive structures that retain what a fully insured plan surrenders to the carrier — evaluated on risk, never on tax treatment.
Workers' Compensation & Return-to-Work
Built for the elevated class codes attractions carry — ride operators, lifeguards, performers, animal handlers, adventure guides, and installation crews working at height — and coordinated with return-to-work programs and claims advocacy from a team that knows these injury patterns.
Workers' Compensation & Return-to-Work
Built for the elevated class codes attractions carry — ride operators, lifeguards, performers, animal handlers, adventure guides, and installation crews working at height — and coordinated with return-to-work programs and claims advocacy from a team that knows these injury patterns.
Employment Practices Liability
A workforce that is young, seasonal and high-turnover by design generates harassment, discrimination and wage-and-hour claims at a rate other industries do not, alongside the professional-staff exposure cultural institutions have faced in recent years.
Employment Practices Liability
A workforce that is young, seasonal and high-turnover by design generates harassment, discrimination and wage-and-hour claims at a rate other industries do not, alongside the professional-staff exposure cultural institutions have faced in recent years.
Payroll & HR Administration
Outsourced payroll, HR administration and compliance support for operators without an in-house HR function who still face J-1 sponsorship rules, child-labor restrictions, wage-and-hour tracking, and multi-state seasonal hiring.
Payroll & HR Administration
Outsourced payroll, HR administration and compliance support for operators without an in-house HR function who still face J-1 sponsorship rules, child-labor restrictions, wage-and-hour tracking, and multi-state seasonal hiring.
Background Screening
Compliant screening at the volume seasonal hiring demands, and at the depth carriers require for staff with direct contact with children, performers, animal handlers and other high-trust roles — a precondition of abuse and molestation coverage in most forms.
Volunteer & Docent Accident Coverage
Medical coverage for the volunteer docents, education staff and event volunteers that zoos, museums and science centers rely on, and who typically fall outside workers' compensation entirely.
Volunteer & Docent Accident Coverage
Medical coverage for the volunteer docents, education staff and event volunteers that zoos, museums and science centers rely on, and who typically fall outside workers' compensation entirely.
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.
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.
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.
Ready for Insurance That Understands Your Operation?
IAAPA Insurance Solutions was created on a simple principle: the attractions industry deserves an insurance partner who knows why a coaster, a wave pool, and a life-support system are not the same risk.
Ready for Insurance That Understands Your Operation?
IAAPA Insurance Solutions was created on a simple principle: the attractions industry deserves an insurance partner who knows why a coaster, a wave pool, and a life-support system are not the same risk.
Ready for Insurance That Understands Your Operation?
IAAPA Insurance Solutions was created on a simple principle: the attractions industry deserves an insurance partner who knows why a coaster, a wave pool, and a life-support system are not the same risk.