Insurance Program Results

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Inflatable Amusements Bounce into Spotlight

Capacity is on the rise for bounce houses and other inflatable amusement structures despite a strange accident, heightened media attention and a reported 31 children injured daily in bounce house-related accidents nationwide. Three boys in South Glens Falls, New York were seriously injured in May when the wind picked up a bounce house and spun it around, tossing the children from the structure at a height of at least 15 feet before landing in a school field some distance away. The growing risks associated with the expanding variety of amusements — a trend that began when the economy took a dive in 2008 — at family entertainment centers like mini-golf courses, arcades and bowling alleys is bringing about more selectivity in underwriting.

 Western Heritage covers many types of amusement and recreational facilities, such as bowling alleys, camp grounds and family centers but will not write inflatable amusement devices. HCC backs a sports and recreation facilities program that includes inflatable amusements as well as laser tag, mini golf and other risks. (9/8/14)

Bowling /Entertainment Centers

Administered By: K&K Insurance

Distribution: MGU

Industries:

Bowling Centers, Rentals (Amusement/Entertainment)

Carriers: Nationwide Mutual Insurance Co.

Coverage: Commercial Auto, Crime, Excess, General Liability, Inland Marine, Liquor Liability, Property, Umbrella/Excess, Workers' Compensation

Limits: up to Contact Underwriting

Family Entertainment Center Program

Administered By: Amusement Insurance Resources

Distribution: MGA

Industries:

Rentals (Amusement/Entertainment)

Carriers: CNA Insurance Cos

Coverage: Commercial Auto, Directors & Officers (D&O), Employment Practices Liability (EPL), Excess, General Liability, Inland Marine, Management Liability, Participant Accident, Property, Special Events, Workers' Compensation

Limits: up to $1 million (Per occurrence), up to $2 million (Aggregate )

Sports & Recreational Facilities

Administered By: HCC Specialty

Distribution: Direct/Broker

Industries:

Golf Courses/Country Clubs, Rentals (Amusement/Entertainment), Sports Facilities, Youth Sports

Carriers: Houston Casualty Co.

Coverage: Commercial Property, General Liability

Limits: up to $10 million (Property ), up to $1 million/$3 million (General Liability)

Entertainment

Administered By: Alive Risk

Distribution: MGA

Industries:

Film Risks, Rentals (Amusement/Entertainment), Stage Risks

Carriers: Lloyd's of London

Coverage: Contingency Insurance, Excess

Limits: up to $10,000,000 (Excess)

Rental Houses

Administered By: Abacus Insurance Brokers

Distribution: MGA

Industries:

Audio/Visual Equipment Dealers, Rentals (Amusement/Entertainment)

Carriers: North American Specialty Insurance Co.

Coverage: Commercial Auto, Excess, General Liability, Inland Marine, Umbrella/Excess

Limits: up to $5 Million (Inland Marine), up to $10 Million (Liability), up to $10 Million (Excess)

 

Entertainment

Administered By: Specialty Insurance Group

Distribution: MGA

Industries:

Amusement Parks, Events and Event Planners, Rentals (Amusement/Entertainment), Stage Risks

Carriers: Everest National Insurance Co.

Coverage: Abuse & Molestation Liability, Business Income/Extra Expense, Commercial Auto, Contingency Insurance, Crime, Directors & Officers (D&O), Errors & Omissions (E&O), Excess, General Liability, Inland Marine, Liquor Liability, Participant Accident, Prize Indemnity , Umbrella/Excess, Weather Insurance, Workers' Compensation

Limits: up to $10 million (Contigency), up to $20 million (Property), up to $10 million (Most Casualty Coverages)

Inflatable Insurance

Administered By: Cossio Insurance Agency

Distribution: MGA

Industries:

Rentals (Amusement/Entertainment)

Carriers: CNA Insurance Cos

Coverage: Commercial Auto, Flood, General Liability, Inland Marine, Workers' Compensation

Limits: