Workers’ Comp Insurance Requirements for Bowling Alley Employees
- 5 days ago
- 2 min read
Operating a bowling alley or entertainment center requires a team effort—from front desk attendants and lane technicians to kitchen staff and bartenders. With employees handling heavy bowling balls, maintaining mechanical equipment, and working in fast-paced environments, workplace injuries can happen. That’s why workers’ comp insurance for bowling alleys is not just important—it’s legally required in most states.
Understanding workers’ compensation requirements helps protect both your employees and your business.
Is Workers’ Comp Required for Bowling Alleys?
In nearly every state, businesses with employees are required to carry workers’ compensation insurance. Requirements vary by state, including how many employees trigger mandatory coverage. The U.S. Department of Labor provides guidance on state-specific workers’ compensation laws and employer obligations.
If your bowling alley employs:
Full-time or part-time staff
Kitchen or bar employees
Maintenance or lane technicians
Seasonal workers
You likely need workers’ comp coverage to comply with state law.
What Workers’ Compensation Covers
Workers’ comp insurance provides benefits to employees who suffer work-related injuries or illnesses. Coverage typically includes:
Medical expenses
Lost wages during recovery
Rehabilitation costs
Disability benefits
Employer legal protection from certain lawsuits
For bowling alleys, common claims may involve:
Back injuries from lifting bowling balls or equipment
Slips and falls in kitchen or bar areas
Injuries from servicing pinsetters and lane machinery
Burns or cuts in food preparation areas
Without proper bowling alley business insurance, a single employee injury could lead to costly medical bills, legal expenses, and penalties for non-compliance.
Penalties for Not Carrying Coverage
Failing to meet workers’ comp insurance requirements can result in:
Fines and state penalties
Stop-work orders
Personal liability for injury costs
Increased legal exposure
How Workers’ Comp Impacts Insurance Costs
Premiums are based on several factors, including:
Payroll size
Job classifications (e.g., clerical vs. mechanical repair)
Claims history
Safety programs in place
Implementing employee safety training and equipment maintenance protocols can help reduce claims and keep premiums manageable.
Get the Right Coverage with Wexford Insurance
Because workers’ comp laws vary by state, bowling alley owners need expert guidance to stay compliant. Wexford Insurance specializes in entertainment center insurance solutions tailored to bowling alleys.
Our team can help you:
Understand state-specific workers’ comp requirements
Properly classify employees
Bundle workers’ comp with liability and property coverage
Secure competitive rates from trusted carriers
👉 Request a free bowling alley insurance quote from Wexford Insurance today and protect your team—and your business.
