This program from T.H.E. Insurance Company provides tailored coverage for a wide range of amusement and entertainment risks. Working directly with T.H.E. lets you bypass additional MGAs and intermediaries so you can place business faster with underwriters who have binding authority and industry experience.
Overview of the Program from T.H.E. Insurance Company
This Entertainment & Amusement Risks program is built for agents who need a practical market for venues, operators, and event promoters. T.H.E. underwriters focus on delivering broad package solutions that combine liability, property, auto, workers’ compensation, and ancillary lines to create cohesive placements for mid-market amusement and entertainment exposures.
Ideal Accounts and Appetite
- Small-to-mid sized amusement parks, family entertainment centers, trampoline parks, arcades, and indoor play centers
- Seasonal carnivals, fairs and traveling attractions with licensed operators
- Fixed and mobile concessions, event promoters, and production companies for live performances
- Movie and film production support risks, set construction and equipment rentals (subject to inland marine and property terms)
Generally acceptable risks are those with documented maintenance programs, trained staff, and reasonable loss histories. The program is not intended for major theme parks, large-scale permanent roller coaster operations, or operators with unresolved regulatory or licensing issues.
Coverage Highlights and Advantages
- Package flexibility — write monoline GL or comprehensive packages combining property, auto, WC and more.
- Excess liability options to protect against high-severity incidents.
- Inland marine to cover mobile equipment and rented attractions while in transit.
- Crime coverage for cash-handling exposures at events and box offices.
- Direct binding authority through T.H.E., which can speed turnaround and simplify placement.
Underwriting Notes and Typical Restrictions
Underwriters will evaluate operator qualifications, safety programs, ride maintenance records (when applicable), contracts with vendors/independent contractors, and loss runs. High-hazard features (unrated or unmaintained mechanical rides, pyrotechnics without licensed operators, or poor safety controls) typically require additional scrutiny and may be declined or quoted with restrictions.
Provide the following at submission for a faster review: current year loss runs, descriptions/photos of the site or equipment, copies of contracts with third-party vendors, and detail on staff training programs and inspection schedules.
Territories and Availability
Available for placement in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.
Why Work With T.H.E. Insurance Company on Entertainment & Amusement Risks
T.H.E. offers focused underwriting for entertainment and amusement classes and the ability to bind coverage directly — a benefit for agents who need speed and clarity on terms. Their packaged approach simplifies placements by combining complementary coverages, and the underwriting team is experienced with the unique operational and seasonal exposures common in this sector.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Accounts like family entertainment centers, small fixed amusement parks, traveling carnivals with licensed operators, concessions, and production support risks are a strong fit when they have documented safety programs and reasonable loss history.
What coverages can I combine in a package?
T.H.E. can offer monoline general liability or multi-line packages that include property, auto, workers’ compensation, excess liability, inland marine, and crime — allowing you to tailor terms to the client’s exposures.
Which states is this program available in?
This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.
What information speeds up the underwriting process?
Include current loss runs, equipment descriptions or photos, maintenance and inspection records, contracts with vendors, and details on staff training and safety protocols with your submission.
Are high-hazard attractions eligible?
High-hazard attractions are considered on a case-by-case basis. Risks with unmaintained mechanical rides, pyrotechnics without licensed operators, or unresolved compliance issues are likely to face restrictions or declination.
Need help placing an account? Connect with a market specialist.