Themed Attractions Insurance

American Specialty’s Themed Attractions Insurance program accommodates a wide range of entertainment and attraction-based operations. Typical eligible classes include:

• Family Entertainment Centers (FECs)
• Walk-through and interactive attractions
• Tourist attractions and historic/cultural exhibits
• Amusement parks and seasonal attractions (e.g., haunted houses)
• Caves, natural attractions and botanical gardens
• Science museums and other year-round interactive exhibits

If you represent a client that operates attractions with public access, interactive components, or large seasonal crowds, this program is designed to provide flexible protection suited to those exposures.

The program is supported by carriers rated “Excellent” or higher by A.M. Best and offers admitted coverage in all available states. Key coverages and advantages include:

• General Liability tailored for public-entry and participant exposures
• Participant Legal Liability for interactive activities
• Volunteers included as additional insureds where appropriate
• Excess/Umbrella Liability capacity
• Liquor Liability for venues that serve alcohol
• Automobile and Property coverage options
• Crime and Employee Benefits Liability coverages
• Tenant User Liability for leased spaces within larger complexes
• Workers’ Compensation options and deductible / SIR flexibility

Program-specific forms and rating plans are used to tailor coverage to the operational profile of each attraction. Agents benefit from 24-hour claims service and full in-house capabilities for underwriting, claims, risk management, and policy administration. Online quoting and servicing resources are available to streamline placement.

Minimum premiums vary by class, size, and operations. Underwriters evaluate submissions on a case-by-case basis to set appropriate pricing and terms. Strong risk management practices—clear procedures for crowd control, employee training, incident documentation, and maintenance—improve the chances of placement. Accounts with prior claims are reviewed based on severity, frequency, and corrective measures implemented.

This program is available on an admitted basis in all 50 states and the District of Columbia, providing a consistent regulatory platform for clients operating across multiple jurisdictions.

American Specialty Insurance & Risk Services is a Managing General Underwriter focused on entertainment and attraction risks. Our underwriting team combines niche expertise with practical, responsive service. By handling underwriting, claims management, policy administration, and risk management in-house, we help agents place complex attraction risks more efficiently and with greater certainty.

Examples of accounts that fit well:

• A regional family entertainment center seeking general liability, property, and liquor liability on an admitted policy with flexible deductible options.
• A seasonal walk-through attraction that needs participant legal liability, volunteers coverage, and umbrella limits to protect against large third-party exposures.

To learn more, visit our Company Profile or start placing business today. Need help placing an account? Connect with a market specialist.