HCC Specialty Underwriters, Inc. offers a robust Sports and Recreation Facilities Insurance program designed specifically for a wide range of indoor and outdoor recreational venues. Whether you're working with a local bowling alley or a large multi-sport complex, this program provides the flexibility and coverage breadth to help your clients manage their unique liability and property risks.
Ideal Accounts and Appetite
This program is tailored for a wide range of sports and recreational businesses, including:
- Bowling Centers
- Family Entertainment Centers
- Mini-Golf Courses
- Driving Ranges
- Batting Cages
- Multi-Sport Complexes
- Fitness Centers
If you have clients operating in high-traffic recreational environments with exposure to customer injury, property damage, or liquor liability, this program is a strong fit.
Coverage Highlights and Advantages
General Liability Coverage:
- Comprehensive General Liability – Limits up to $1M per occurrence / $3M aggregate
- Premises Liability and Personal Injury Liability included
- Liquor Liability available in most states
- Hired and Non-Owned Auto coverage
Property Coverage:
- Broad property form including equipment breakdown and crime coverage
- Optional flood and earthquake sub-limits in select areas
All policies are underwritten by Houston Casualty Company, an A+ rated carrier on a non-admitted basis, giving agents access to strong financial backing and flexible underwriting.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on risk class and location. The program is designed to accommodate both smaller, single-location operations and larger, multi-activity facilities. Submission requirements typically include completed applications, loss runs, and supporting operational details.
Territories and Availability
This program is available in most U.S. states, including but not limited to CA, FL, NY, TX, and IL. HCC Specialty Underwriters can help you place business in all 50 states and Washington, DC, subject to underwriting approval. While the program is written on a non-admitted basis, coverage is available in both admitted and non-admitted formats depending on the state and risk.
Why Work With HCC Specialty Underwriters
As a Managing General Agency with expertise in niche markets, HCC Specialty Underwriters brings deep knowledge of sports and recreation risk profiles. You benefit from competitive carrier relationships, responsive underwriting, and a program built specifically for this sector. Whether your client operates a neighborhood mini-golf course or a large indoor sports facility, you’ll find the flexibility and service you need to place business confidently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for recreational facilities such as bowling alleys, family entertainment centers, fitness gyms, driving ranges, and multi-sport complexes.
Is liquor liability included in the coverage?
Liquor liability is available in most states as an optional part of the general liability coverage.
Are property coverages like equipment breakdown and flood included?
Yes, the property form includes equipment breakdown and crime coverage. Flood and earthquake sub-limits are available in select regions.
What is the minimum premium for this program?
Minimum premiums vary based on the risk type and location. Contact underwriting for specific details.
In which states is this program available?
The program is available in most U.S. states, including CA, FL, NY, TX, and many others. Coverage is subject to underwriting approval.
Need help placing an account? Connect with a market specialist.