Why Bounce House Rental Businesses Need Specialised Insurance Coverage
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 20
- 2 min read
Running a bounce house rental business is fun, profitable, and in high demand, but it also involves unique risks that many standard business insurance policies don’t fully cover. Because inflatables, water slides, and other amusement rental equipment have higher liability exposures, specialised insurance coverage is essential to protecting your company.
1. Higher Risk of Injuries
Bounce houses and inflatables are used by children and large groups, often in unpredictable environments. Even with proper supervision, injuries can occur due to slips, falls, collisions, or improper use. General liability policies from non‑specialised carriers may exclude amusement equipment altogether, leaving gaps in coverage. Specialised amusement rental insurance fills those gaps and protects your business from costly claims.
2. Equipment Damage Is Common
Your inflatables, tents, and rental equipment are expensive assets. Weather, improper installation, vandalism, or transportation accidents can quickly damage them. Standard property policies often exclude mobile or off‑premise equipment. A specialised policy includes inland marine designed specifically for rental units that travel from event to event.
3. Event Venues Require Proof of Proper Coverage
Schools, parks, corporate clients, and event coordinators frequently require a certificate of insurance with specific limits. Without specialised bounce house rental business insurance, you may not meet their coverage requirements, resulting in lost bookings. The right policy ensures you’re eligible for more events and higher‑value contracts.
4. Specialised Policies Understand Your Operations
Amusement rental businesses face unique risks, from anchoring procedures to safety training and waiver requirements. Specialised insurance carriers understand these details, allowing them to provide better pricing, broader protection, and fewer exclusions than generic policies.
5. Claims Support from Industry‑Aware Insurers
If an incident occurs, you want an insurer who understands how bounce house events work. Specialised carriers know how to handle these claims efficiently, helping protect your business reputation and financial stability.
Work With an Agency That Knows the Amusement Rental Industry
Not all insurance agencies understand bounce house rentals, but Wexford Insurance does. We work directly with insurers that specialize in bounce house rental business insurance nationwide, offering tailored coverage, competitive pricing, and fast quotes.
Get your specialized amusement rental insurance quote today at Wexford Insurance
