Bungee jumping is a popular activity. Participants leap from platforms, bridges, cranes, or hot air balloons attached by flexible rubber or synthetic bungee cords. Businesses engaged in this activity need general liability insurance to cover their liability for the event’s operation, as well as spectator and participant liability. They usually require that participants sign a waiver and release that acknowledges that bungee jumping is dangerous and that the operators are not responsible for anything that happens that is beyond their control.
What is Bungee Jumping Events?
Bungee jumping events are organized recreational activities where participants jump from elevated structures while secured to a bungee cord. Organizers face exposures from participant injury, equipment failure, and spectator incidents. Coverage for these events is a form of commercial liability tailored to high-risk activities and can be combined with participant accident coverage and equipment coverage for the cords and rigging.
Who needs it
Typical buyers include independent operators, event organizers, adventure tour companies, rental outfitters, and venue owners who host jumps. Smaller clubs or pop-up operators that bring mobile rigs to fairs and festivals should evaluate their event liability, just as permanent venues do. Operators who also run inflatable attractions may already look into policies such as Bounce House Insurance or Moon Bounce Insurance: Safety Net for Inflatable Events for related exposures.
What it typically covers
Policies for bungee jumping often include:
- General liability for bodily injury or property damage to participants and spectators.
- Participant accident coverage to help with medical costs after an on-site injury.
- Equipment coverage for bungee cords, harnesses, platforms, and rigging.
- Event liability protection when the jump is part of a larger festival or fair.
Some operators combine this with additional coverages used by other high-risk attractions, such as those who also run Trampolines Insurance, to cover a broader mix of exposures.
Common exclusions or limitations
Policies frequently exclude intentional acts, criminal behavior, inherent vice of equipment, and some extreme-sport variations. Underwriting factors may limit coverage for certain jump heights, unapproved setups, or inexperienced riggers. Most insurers also require documented maintenance and inspection logs for cords and harnesses.
Factors that influence cost
Premiums reflect several underwriting factors: the operator’s experience and training, inspection and maintenance programs, participant screening procedures, jump height and location, the number of events per year, and the presence of trained staff or third-party riggers. Risk management measures—written safety plans, staff certifications, and regular equipment replacement—can lower insurance costs.
Proof of insurance & compliance
Venues and event promoters often require certificates of insurance naming them as an additional insured. Inspectors may ask for waivers, safety checklists, and proof of regular equipment inspections. Policies differ by state and venue, so confirm the required limits and endorsements before the event.
How to get a quote
To get an accurate quote, gather details about your operations: number of jumps per year, maximum jump height, staff training, equipment inventories, and any prior claims. Then talk to your agent to review options and endorsements that match your risk profile; you can talk to your agent through an online submission if you prefer a guided quote process.
Frequently Asked Questions
Do waivers replace the need for insurance?
No. Waivers may help with participant acknowledgment of risk but do not replace liability insurance or guarantee coverage after a claim.
Will my policy cover accidents during transport to the site?
Transportation risks may require commercial auto or inland marine endorsements; review your policy with your broker to confirm coverage for transported gear and staff travel.
Are there specific safety requirements insurers expect?
Yes. Insurers commonly expect documented inspection logs, trained riggers, written safety procedures, and regular equipment replacement schedules; exact requirements vary by carrier.
Still have questions? Talk to a local insurance expert.