Commercial Auto Insurance for Bowling Alleys Offering Party Rentals
- 5 days ago
- 2 min read
Many modern bowling alleys have expanded beyond traditional lane play. Today’s entertainment centers often provide party rentals, mobile arcade setups, off-site events, and equipment delivery services. While these services boost revenue, they also introduce new risks—especially when vehicles are involved. That’s where commercial auto insurance for bowling alleys becomes essential.
If your business owns or operates vehicles for deliveries, party rentals, or promotional events, personal auto coverage is not enough.
Why Personal Auto Insurance Isn’t Enough
Standard personal auto policies typically exclude coverage for business use. If your employee is transporting bowling equipment, arcade games, party supplies, or food items and an accident occurs, your claim could be denied.
Commercial auto insurance provides protection for:
Company-owned vans or trucks
Vehicles used to deliver party rental equipment
Employee drivers operating business vehicles
Branded promotional vehicles
What Commercial Auto Insurance Covers
A properly structured bowling alley business insurance policy should include commercial auto coverage with:
Liability protection for bodily injury and property damage
Collision coverage for vehicle damage
Comprehensive coverage for theft, vandalism, or weather damage
Uninsured/underinsured motorist coverage
Medical payments coverage
If your bowling alley transports expensive arcade machines or rental equipment, consider adding inland marine coverage to protect items while in transit.
Risks of Party Rental Operations
Offering off-site birthday parties or corporate events increases exposure to:
Auto accidents during delivery
Equipment damage while loading and unloading
Employee driver injuries
Third-party property damage
Without adequate commercial auto limits, one serious accident could result in costly lawsuits and long-term financial strain.
Choosing the Right Coverage Limits
Most entertainment centers carry at least $1 million in commercial auto liability coverage, though higher limits may be necessary depending on fleet size and operations. An umbrella policy can provide additional protection if your risk exposure is significant.
Protect Your Business with Wexford Insurance
Every bowling alley’s operations are unique. Whether you operate one delivery van or a fleet for large-scale party rentals, you need coverage tailored to your risk profile.
Wexford Insurance specializes in bowling alley and entertainment center insurance solutions, including commercial auto coverage for party rentals and off-site events. Our team works with top-rated carriers to provide competitive pricing and customized protection.
👉 Request a free bowling alley insurance quote from Wexford Insurance safeguard your bowling alley’s vehicles, employees, and reputation.
