American Specialty is proud to be the only IAAPA-endorsed insurance provider for amusement parks. We specialize in the risks that come with operating rides, attractions, inflatables, and special events. The Amusement Parks Insurance program packages underwriting, claims, and risk management expertise into market-ready solutions that help agents place and retain complex entertainment accounts with confidence.
Why Choose American Specialty
As a Managing General Underwriter with decades of experience in the amusement and entertainment industries, American Specialty offers a specialized approach to underwriting, claims handling, and risk control. Our team understands the operational, mechanical, and spectator risks these accounts present and structures coverages that address both common and complex exposures. We support agents with market access plus technical guidance to place and maintain profitable accounts.
Territories and Availability
This program is available in all 50 states and Washington, D.C. Admitted coverage is offered where applicable through A.M. Best “Excellent” rated carriers. We can underwrite accounts across urban and rural markets, including seasonal operations in high-tourism states.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by operation type, size, and exposures. Submissions should include current loss runs, equipment inspection/maintenance documentation, and an operations description. Our in-house underwriters provide quick reviews and will advise on minimums, deductible/SIR options, and attachment points for excess placements.
Ideal Accounts and Appetite
We are actively seeking:
- Permanent and traveling amusement parks and midways
- Indoor and outdoor family entertainment centers with multiple attractions
- Tourist attractions, scenic and seasonal rides
- Ice rinks, laser tag arenas, and similar indoor attractions
- Special events and festivals that include rides, inflatables, or fireworks
Accounts with disciplined maintenance programs, documented ride/attraction inspections, and trained staff receive the most favorable terms. We can consider a wide range of risks but typically decline unlicensed ride operations, accounts without maintenance records, or operations involving permanently installed high-speed thrill rides lacking manufacturer documentation.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include amusement parks, family entertainment centers, laser tag arenas, ice rinks, and seasonal events that feature rides, inflatables, or attractions.
Is this program available nationwide?
Yes. The Amusement Parks Insurance program is available in all 50 states and Washington, D.C.
What coverages are included in the program?
Coverages can include General Liability, Property, Workers’ Compensation, Liquor Liability, Auto, Excess/Umbrella, Crime, and other specialty endorsements tailored to amusement operations.
What is the minimum premium for this program?
Minimum premiums depend on the operation type and risk profile. Contact our underwriting team for pricing guidance and expected minimums for your submission.
Why work with American Specialty?
American Specialty is the only IAAPA-endorsed provider in this space. We provide in-house underwriting, claims handling, and risk management with deep amusement industry expertise to help you place and retain these accounts.
Need help placing an account? Connect with a market specialist.