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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. With that popularity comes real liability exposure. From minor sprains to more serious injuries and property damage, inflatable operations face a wide range of risks. If your client rents inflatables or runs an event rental business, they need tailored protection—and Prime Insurance Company’s Bounce House Insurance program is built specifically for that market.

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 is a nationwide, non-admitted carrier that underwrites commercial liability for inflatable rental businesses. The program is designed to help agents place accounts that are difficult for standard markets—whether the client is a new operator, seasonal business, or has prior claims. Underwriting is flexible and focused on assessing the full risk profile so you can secure coverage terms that match the operation and equipment exposures.

Ideal Accounts and Appetite

This program is a strong fit for: • Bounce house rental businesses
• Event rental companies that include inflatables
• Operators of inflatable obstacle courses, mechanical bulls, and interactive games
• Seasonal, part-time, or start-up operators
• Accounts with prior losses, unusual equipment, or other non-standard exposures You might have a client who runs a party rental company with bounce houses, inflatable water slides, and a mechanical bull. Even with a history of claims or unusual equipment, Prime can often offer solutions through flexible underwriting and specialty liability expertise.

Coverage Highlights and Advantages

Prime’s Bounce House Insurance program provides liability protections tailored to inflatables and event rentals, including: • Commercial General Liability—language adapted for inflatable exposures
• Coverage for party and event rental equipment and operations
• Options for mechanical inflatables (bulls), water slides, boxing/wrestling rings, and similar interactive attractions
• Flexible underwriting to address unique or high-risk equipment and operations
• Ability to consider accounts with prior claims or otherwise substandard histories This program is supported by XINSURANCE, powered by Evolution Insurance Brokers, LC (EIB), providing specialty liability placement support for agents.

Underwriting Notes and Minimum Premiums

Prime evaluates each account on its merits, focusing on safety practices, equipment condition, hours of operation, staffing/supervision, and loss history. There is no publicly listed standard minimum premium — contact Prime’s underwriting team or the XINSURANCE platform for an underwriting review and premium guidance based on the specific risk.

Territories and Availability

Coverage is available nationwide in all 50 states and Washington, D.C. As a non-admitted program, Prime offers agents flexibility to place business that may not qualify for admitted or standard markets.

Why Work With Prime Insurance Company?

Prime specializes in high-risk and niche liability markets. For agents, that means: • A market that accepts tougher-to-place inflatable and event rental risks
• Underwriting that looks beyond a simple declination and seeks workable solutions
• Nationwide access via a non-admitted platform to broaden placement options
• Backing and placement support from XINSURANCE/Evolution Insurance Brokers for specialty liability accounts Prime also maintains industry connections—such as membership in the International Association of Amusement Parks and Attractions (IAAPA)—that reflect its focus on this niche.

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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