Common Claim Risks That Bounce House Rental Business Insurance Covers
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Bounce house rental businesses experience unique risks that standard business insurance doesn’t always cover. Because inflatables often involve children, outdoor environments, and mobile equipment, claim exposures can be higher than other rental businesses. Understanding the most common risks helps you protect your company and choose the right insurance.
Here are the top claim risks that bounce house rental business insurance covers:
1. Injury Claims From Participants
One of the most frequent claim sources is injuries to children and adults using the inflatable. These injuries can include:
Collisions inside the bounce house
Falls near the entrance or exit
Improper use or overcrowding
Slips or trips on blower cords or equipment
General liability insurance helps cover medical costs, legal fees, and potential settlements if someone is hurt.
2. Property Damage During Setup or Takedown
Damage can occur while transporting, anchoring, or removing equipment. Common incidents include:
Damage to a customer’s lawn, landscaping, walls, or fences
Damage caused by stakes, sandbags, or heavy equipment
Accidental damage from generators or blowers
Insurance helps protect your business from out‑of‑pocket repairs.
3. Equipment Damage or Loss
Your inflatables and rental equipment are valuable assets. Losses may occur due to:
Weather damage (wind, storms, sun exposure)
Vandalism or theft
Tears, punctures, or blower malfunctions
Transportation accidents
Equipment coverage can help repair or replace your units so your business can keep operating.
4. Weather‑Related Incidents
Sudden winds, lightning, or heavy rain can cause injuries or equipment failures. Even when you enforce safety procedures, weather can create unpredictable risks. Insurance helps cover resulting claims or damage.
5. Auto‑Related Claims
If you use a vehicle for deliveries, accidents can occur during transportation. Commercial auto insurance is essential to protect your business from vehicle‑related liability and damage.
Protect Your Business With the Right Coverage
Understanding these common risks helps you choose insurance that keeps your bounce house rental business safe and financially protected. Working with a specialized agency ensures you get coverage designed for the amusement rental industry.
Wexford Insurance partners with insurers that specialize in bounce house rental business insurance nationwide. We help you secure competitive pricing, comprehensive protection, and fast quotes.
Request your personalised quote anytime at Wexford Insurance.
