Ideal Accounts and Appetite
This program is designed for family-focused entertainment operations that include a variety of interactive and recreational activities. You can place accounts such as:
- 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 proper 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), and the program supports a wide range of indoor and outdoor entertainment venues.
Coverage Highlights and Advantages
Axiom’s Family Entertainment Centers Insurance program provides robust liability coverage tailored to the unique risks of the industry. 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
Direct bill and premium financing options are available, making it easier for your clients to secure the coverage they need.
Underwriting Notes and Minimum Premiums
The program has a minimum premium of $2,500 for most accounts, with arcades starting as low as $1,000. Axiom carefully evaluates each risk to ensure proper alignment with underwriting guidelines.
Ineligible classes include high-risk activities such as hang gliding, skydiving, parasailing, and operations with alcohol service past midnight. Risks involved in bankruptcy or legal reorganization, and those with inadequate trampoline safety protocols, are also excluded.
Territories and Availability
This non-admitted program is available in most U.S. states, including AL, AK, AZ, CA, FL, IL, NY, TX, WA, and many others. Axiom works with a variety of carriers to provide flexible and competitive options depending on state-specific requirements.
Why Work With Axiom Insurance Managers Agency, LLC
Axiom brings deep industry knowledge and a hands-on underwriting approach to the family entertainment niche. Their long-standing focus and internal loss control resources help agents place challenging accounts with confidence. Whether your client operates a regional water park or a local laser tag center, Axiom can provide tailored solutions that address unique exposures while meeting compliance and coverage needs.
You might have a client expanding their arcade into a full-service entertainment center with food and rides—Axiom can help you update their insurance to match evolving risks. Or perhaps a seasonal water slide park needs liability and umbrella coverage—this program is built for those scenarios and more.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include arcades, bowling alleys, go-kart tracks, trampoline parks with controls in place, water parks, and other family entertainment centers offering interactive attractions.
Are liquor sales allowed under this program?
Yes, liquor liability coverage is available, and alcohol sales are permitted as long as they do not exceed 25% of total food and beverage sales and service ends by midnight.
What are some ineligible risks for this program?
Operations involving high-risk activities such as skydiving, hang gliding, parasailing, and hydraulic mechanical bulls are ineligible. Risks in bankruptcy or with insufficient trampoline controls are also excluded.
Is this program available nationwide?
This program is available in most U.S. states, including all major markets such as CA, TX, FL, NY, and IL. Check with Axiom for specific state availability.
What is the minimum premium for this program?
The minimum premium is typically $2,500, with arcade-only operations eligible for a lower minimum premium starting at $1,000.
Need help placing an account? Connect with a market specialist.