Best Insurance Options for Starting a Bounce House Rental Business
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Starting a bounce house rental business can be exciting and profitable, especially with the high demand for inflatables at parties, school events, and festivals. But before booking your first event, it’s crucial to secure the right insurance. The amusement rental industry carries unique risks that require specialised coverage to protect your equipment, customers, and business. Here are the best insurance options for starting a bounce house rental business.
General liability is the foundation of your insurance plan. It protects your business if someone is injured while using your inflatable equipment or if property is damaged during setup or takedown. For new operators, this coverage is typically required by most event venues, parks, and schools before you can set up your bounce house.
2. Inland Marine (Equipment) Coverage
Your inflatables and rental equipment are valuable assets that must be protected. Inland marine insurance covers your equipment while stored, transported, and used at events. For mobile rental businesses, this coverage is essential, especially for new owners investing in their first set of bounce houses, tents, or slides.
If you use a vehicle to deliver and pick up inflatables, you’ll need commercial auto coverage. Personal auto policies generally exclude business use, so having the correct policy ensures you’re covered during deliveries, transportation, and on-site operations.
If you plan on hiring staff to help with delivery, setup, or supervision, workers compensation insurance is required in most states. It covers medical expenses and lost wages if an employee is injured on the job.
New bounce house businesses often start small, but claims can be large. An umbrella policy provides additional liability protection above your primary general liability limits. It’s an affordable way to increase your protection, especially if you operate at large events or busy public venues.
Start Your Business With the Right Coverage
Choosing the best insurance options ensures your business begins on solid footing. Wexford Insurance specializes in helping new bounce house rental businesses find the right coverage from carriers that understand the amusement rental industry.
Get a customized quote for your new bounce house rental business at Wexford Insurance