How to Lower Insurance Costs for Your Bounce House Rental Business
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Insurance is essential for protecting your bounce house rental business, but that doesn’t mean you should overpay. With the right strategies, you can reduce your premiums while keeping strong coverage in place. Here are some proven ways to lower costs for your bounce house rental insurance.
1. Strengthen Your Safety Procedures
Insurance providers reward businesses with strong safety protocols. You can often reduce your premiums by showing that your company:
Anchors inflatables properly
Uses safety checklists before every setup
Requires supervision by trained staff or responsible adults
Provides clear usage rules to customers
These steps greatly reduce accident risk—and insurance carriers notice.
2. Maintain a Clean Claims History
A business with few or no claims is considered low risk. The fewer incidents you have, the more likely you are to receive better rates. Documenting safety procedures and responding quickly to hazards can help prevent claims in the first place.
3. Invest in Quality Equipment
Older or poorly maintained inflatables are more likely to tear, collapse, or fail during use. High‑quality units with proper maintenance records show carriers that you take safety seriously, which can positively influence your insurance cost.
4. Bundle Coverage When Possible
Many insurance carriers offer lower rates when you bundle coverage such as:
A bundled policy is often cheaper than buying each policy separately.
5. Limit Higher‑Risk Attractions
Large water slides, mechanical rides, or high‑capacity inflatables often increase premiums because they carry higher risk. If keeping costs down is a priority, focus on lower‑risk equipment or add higher‑risk units gradually as your business grows.
6. Increase Deductibles Carefully
A higher deductible usually results in lower premiums. Just make sure the deductible is still an amount your business can comfortably handle in case of a claim.
7. Work With a Specialized Insurance Agency
General insurance agents may not understand the unique risks of bounce house rental businesses. Working with a specialised agency ensures you get accurate pricing and access to carriers who specifically insure amusement rental companies.
Wexford Insurance works directly with insurance providers that specialize in bounce house rental business insurance nationwide. This often results in better pricing and more complete coverage than general brokers can offer.
Get a personalised quote today at Wexford Insurance
