Ideal Accounts and Appetite

This program is aimed at family-focused entertainment operations that host interactive and recreational attractions. Agents can place accounts including:

• Arcades (minimum premium as low as $1,000)
• Bowling alleys
• Miniature golf centers
• Go-kart tracks (electric or gas)
• Laser tag arenas
• Trampoline centers (with documented safety controls)
• Water parks and water rides
• Climbing walls, batting cages, and inflatable amusements
• Family fun centers with concession or retail sales

Limited alcohol sales are acceptable (up to 25% of food and beverage revenue) when operations follow outlined service controls. The program supports a wide range of indoor and outdoor entertainment venues.

Coverage Highlights and Advantages

Axiom’s Family Entertainment Centers Insurance program delivers broad liability protection designed for the unique risks operators face. Typical coverage options include:

• General Liability: $1M per occurrence / $2M general aggregate
• Products & Completed Operations: $1M
• Personal & Advertising Injury: $1M
• Damage to Premises Rented to You: $100,000
• Liquor Liability: Available as package or mono-line, up to $1M/$2M
• Umbrella/Excess: Limits available up to $10 million

The program offers direct bill and premium financing options to simplify placement and payment for your clients.

Underwriting Notes and Minimum Premiums

Standard minimum premium is $2,500 for most account types. Arcade-only operations may qualify for a lower minimum starting at $1,000. Axiom evaluates each risk to confirm alignment with underwriting guidelines and safety expectations.

Ineligible classes and situations include high-risk adventure activities such as hang gliding, skydiving, parasailing, and hydraulic mechanical bulls. Operations with alcohol service past midnight, accounts in bankruptcy or undergoing legal reorganization, and facilities lacking adequate trampoline safety protocols are also excluded.

Territories and Availability

This is a non-admitted program available in most U.S. states, including AL, AK, AZ, CA, FL, IL, NY, TX, WA and many others. Axiom partners with a variety of carriers to provide flexible options depending on state requirements and the specific risk profile.

Why Work With Axiom Insurance Managers Agency, LLC

Axiom brings deep, hands-on underwriting expertise in the family entertainment niche. Their focused approach and internal loss control resources help agents place challenging or evolving accounts with confidence. Underwriters are experienced in evaluating ride operations, concession exposures, alcohol controls, and activity-specific training and inspection programs.

Example placements you might submit: a regional water slide park seeking primary liability and umbrella limits, or an arcade expanding into a family fun center with food service and inflatable attractions. In both cases, Axiom can tailor coverages and limits to address the operational exposures while keeping placement practical for your client.

Need help placing an account? Connect with a market specialist.

Frequently Asked Questions