How Much Does Insurance Cost for a Bounce House Rental Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Starting or growing a bounce house rental business comes with big opportunities, but also important risks. One of the most common questions owners ask is “How much does insurance cost for a bounce house rental business?” While costs vary, understanding the key factors that impact pricing will help you budget properly and choose the right coverage.
Typical Insurance Costs
According to a 2026 industry analysis from MoneyGeek, bounce house rental businesses pay:
$35 to $123 per month for basic business insurance, averaging $68/month depending on state and coverage needs
$414 to $1,475 per year for core insurance policies, including liability and equipment coverage
Breakdown of Common Coverage & Costs
General Liability Insurance:
$70/month or $846/year
Business Owner’s Policy (BOP):
$104/month or $1,249/year
Workers Compensation Insurance:
$40/month or $483/year
Professional Liability (E&O)
$59/month or $709/year
What Affects Insurance Cost?
Several business factors determine your final premium:
1. Number and Type of Inflatables
More units = higher exposure. Water slides and larger inflatables may increase cost.
2. Annual Revenue
Insurance companies use expected revenue to estimate your overall risk level.
3. Business Experience
Operators with several years of experience and strong safety practices may see lower prices.
4. Claims History
A clean claims record helps reduce premiums. Past losses may increase pricing.
5. Safety Procedures
Trained staff, customer safety waivers, proper anchoring methods, and clean setup processes can help lower risk.
6. Additional Coverage Options
Commercial auto, workers compensation, trailers, and storage buildings add to your total cost depending on your needs.
Is Insurance Worth the Investment?
Absolutely. One injury claim or equipment loss can cost far more than the annual premium. Insurance protects your business from financial setbacks—and gives your customers peace of mind.
Get a Competitive Quote From a Specialized Agency
Pricing varies widely between insurance carriers, so the best way to know your exact cost is to request an amusement rental insurance quote from an agency that works with bounce house rental companies daily.
Wexford Insurance partners with insurers that specialize in bounce house rental business insurance nationwide, helping you secure the right coverage at the best available price.
Request your quote anytime at Wexford Insurance