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...mplex operations like go-karts and water rides. Ideal Accounts and Appetite ...mpoline parks with controls in place, water parks, and other family entertainm...

...includes bounce houses, inflatable water slides, and mechanical games. Even if...that offer inflatable bounce houses, slides, obstacle courses, or mechanical r...

This program from T.H.E. Insurance Company provides tailored coverage for a wide range of amusement and entertainment risks. Working directly with T.H.E. lets you bypass additional MGAs and intermediaries so you can place business faster with underwriters who have binding authority and industry experience. Available package coverages include: General Liability (monoline or package) Auto Excess liability Workers Compensation Property Crime Inland Marine Overview of the Program from T.H.E. Insurance Company This Entertainment & Amusement Risks program is built for agents who need a practical market for venues, operators, and event promoters. T.H.E. underwriters focus on delivering broad package solutions that combine liability, property, auto, workers’ compensation, and ancillary lines to create cohesive placements for mid-market amusement and entertainment exposures. Ideal Accounts and Appetite Small-to-mid sized amusement parks, family entertainment centers, trampoline parks, arcades, and indoor play centers Seasonal carnivals, fairs and traveling attractions with licensed operators Fixed and mobile concessions, event promoters, and production companies for live performances Movie and film production support risks, set construction and equipment rentals (subject to inland marine and property terms) Generally acceptable risks are those with documented maintenance programs, trained staff, and reasonable loss histories. The program is not intended for major theme parks, large-scale permanent roller coaster operations, or operators with unresolved regulatory or licensing issues. Coverage Highlights and Advantages Package flexibility — write monoline GL or comprehensive packages combining property, auto, WC and more. Excess liability options to protect against high-severity incidents. Inland marine to cover mobile equipment and rented attractions while in transit. Crime coverage for cash-handling exposures at events and box offices. Direct binding authority through T.H.E., which can speed turnaround and simplify placement. Underwriting Notes and Typical Restrictions Underwriters will evaluate operator qualifications, safety programs, ride maintenance records (when applicable), contracts with vendors/independent contractors, and loss runs. High-hazard features (unrated or unmaintained mechanical rides, pyrotechnics without licensed operators, or poor safety controls) typically require additional scrutiny and may be declined or quoted with restrictions. Provide the following at submission for a faster review: current year loss runs, descriptions/photos of the site or equipment, copies of contracts with third-party vendors, and detail on staff training programs and inspection schedules. Territories and Availability Available for placement in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Why Work With T.H.E. Insurance Company on Entertainment & Amusement Risks T.H.E. offers focused underwriting for entertainment and amusement classes and the ability to bind coverage directly — a benefit for agents who need speed and clarity on terms. Their packaged approach simplifies placements by combining complementary coverages, and the underwriting team is experienced with the unique operational and seasonal exposures common in this sector. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts like family entertainment centers, small fixed amusement parks, traveling carnivals with licensed operators, concessions, and production support risks are a strong fit when they have documented safety programs and reasonable loss history. What coverages can I combine in a package?T.H.E. can offer monoline general liability or multi-line packages that include property, auto, workers’ compensation, excess liability, inland marine, and crime — allowing you to tailor terms to the client’s exposures. Which states is this program available in?This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. What information speeds up the underwriting process?Include current loss runs, equipment descriptions or photos, maintenance and inspection records, contracts with vendors, and details on staff training and safety protocols with your submission. Are high-hazard attractions eligible?High-hazard attractions are considered on a case-by-case basis. Risks with unmaintained mechanical rides, pyrotechnics without licensed operators, or unresolved compliance issues are likely to face restrictions or declination. Need help placing an account? Connect with a market specialist.

...iddie Rides and Climbing Walls Water Slides and Splash Zones Party Rooms and ...

...lude public municipal pools, large water parks, or facilities with high-risk attractions such as commercial water slides, complex wave pools, or diving platfo...

...ties & Clubs Tennis Clubs Whitewater Rafting Motorsports Driving Schools...ex or unusual accounts such as a whitewater rafting outfitter, a multi-day mus...

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.