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Prime Insurance Company
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Bounce House Insurance

Bounce Houses are Fun—But They Need Serious Insurance


Bounce houses and inflatable attractions are popular at parties, fairs, festivals, and community events. But with that fun comes real risk. From minor sprains to more serious injuries and property damage, bounce house operations face a wide range of liability exposures. If your client rents out inflatables or operates an event rental business, they need tailored protection—and that's exactly what Prime Insurance Company delivers through its Bounce House Insurance program.

Industry Risk Snapshot: • Between 2008 and 2013, the U.S. Consumer Product Safety Commission reported 82,203 injuries related to inflatable bounce houses
• 90% of injuries were tied to moon bounces
• Two-thirds of injuries involved arms and legs; the rest affected the head and face
• 9 out of 10 injuries involved children under the age of 14

Program Overview from Prime Insurance Company

Prime Insurance Company, a non-admitted carrier operating nationwide, offers commercial liability coverage specifically crafted for inflatable rental businesses. This program is designed to help agents place challenging or high-risk accounts—including those with previous claims or unusual equipment. Whether your client is just starting out or has a long claims history, Prime has the flexibility to offer customized solutions.

Ideal Accounts and Appetite

This program is ideal for: • Bounce house rental businesses
• Event rental companies with inflatables
• Operators of inflatable obstacle courses, mechanical bulls, and interactive games
• Seasonal or part-time operators
• Accounts with substandard or unusual risk profiles You might have a client who runs a party rental company that includes bounce houses, inflatable water slides, and mechanical games. Even if they’ve experienced past claims, Prime can help you find a solution that fits.

Coverage Highlights and Advantages

Prime’s Bounce House Insurance program includes: • Commercial General Liability—customized for inflatables
• Coverage for party and event rental equipment
• Options for inflatable mechanical bulls, water slides, boxing/wrestling rings, and more
• Flexible underwriting for unique or high-risk equipment
• No standard minimum premium listed—contact for underwriting review This program is backed by XINSURANCE, powered by Evolution Insurance Brokers, LC (EIB), a trusted name in specialty liability.

Territories and Availability

Coverage is available in all 50 states plus Washington, D.C. As a non-admitted solution, this program gives agents the flexibility to place accounts that don't qualify for standard markets.

Why Work With Prime Insurance Company?

Prime Insurance Company brings deep expertise in high-risk and unconventional markets. With a strong appetite for bounce house and inflatable risks—even those with prior losses—Prime makes it easier for agents to place tough accounts. The company’s flexible underwriting approach, combined with its nationwide reach and focus on specialty liability, offers a reliable path forward for your clients in the party and event rental space.

Prime is also a proud member of the International Association of Amusement Parks and Attractions (IAAPA), reinforcing its commitment to this niche industry.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Event rental companies that offer inflatable bounce houses, slides, obstacle courses, or mechanical rides are ideal. Accounts with prior claims or unique equipment are also considered.

Can I place business in all states?

Yes, the program is available in all 50 states and Washington, D.C. as a non-admitted offering.

Does this program cover mechanical inflatables like bulls or boxing rings?

Yes, Prime offers liability coverage for a wide range of inflatables, including mechanical bulls, wrestling/boxing rings, and similar equipment.

Is prior claims history a disqualifier?

No. Prime specializes in tough-to-place accounts and can often work with clients who have substandard claims histories.

Who is the carrier for this program?

The program is offered by Prime Insurance Company and powered by Evolution Insurance Brokers (EIB) under the XINSURANCE brand.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Carrier
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

One South Dearborn, Suite 800
Chicago, IL 60603
312-884-5813
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