Commercial General Liability
protects ride operations, queues, special events, and high-density guest exposures.
AMUSEMENT PARKS & THEME PARKS
Because in this industry, the excess tower is the part that decides whether a bad day ends the business.
What Makes This Risk Different
Mechanical rides are the single greatest liability exposure in the attractions industry. A serious malfunction produces catastrophic injury claims that can exceed $10 million per occurrence, and even a routine dispatch error can generate a significant claim. Layer on premises liability across thousands of guests, food and beverage exposure, liquor service that is now mainstream at parks, lightning and high-wind exposure in outdoor queues and lots, and a seasonal workforce of thousands of young first-time employees.
State ride inspection regimes vary dramatically — Florida, Ohio, Texas, and New Jersey run rigorous programs while some states have none at all, which means a multi-state operator faces genuinely different obligations park to park. Rides are also capital assets requiring accurate replacement cost valuation; a major coaster can cost $25 million or more. Most generic underwriters respond to all of this the only way they can: conservative pricing, restrictive endorsements, or a declination.
COVERAGE FOR THIS CLASS
What We Write for Amusement Parks & Theme Parks
Guest & Public Liability
Umbrella / Excess Liability
builds high-limit towers around catastrophic attractions-industry claims.
Participant Legal Liability
covers activity-related injuries standard premises liability does not reach.
Ride & Attraction Liability
aligns coverage with ASTM standards, inspections, and maintenance documentation.
Aquatic & Water Park Liability
addresses drowning, lifeguard standards, and aquatic health-code compliance.
Sexual Abuse & Molestation (SAM)
adds separate limits for claims involving minors without eroding general liability.
Active Assailant & Terrorism (TRIA)
fills terrorism-related gaps for victim costs, interruption, and crisis response.
Liquor Liability
covers alcohol service across park venues, events, and premium areas.
International / Foreign Liability
extends liability protection to foreign operations, installations, and product sales.
Workforce & People
Employment Practices Liability (EPLI)
addresses harassment, discrimination, and wage-and-hour claims across seasonal teams.
Workers' Compensation
covers seasonal, J-1, and full-time employees with return-to-work support.
Accident Medical Coverage
pays first-party medical costs for smaller participant and guest injuries.
Employee Benefits
coordinates health, dental, vision, life, and pharmacy benefit programs.
Payroll & HR Support
provides outsourced payroll, HR administration, and compliance support.
Background Screening
screens seasonal teams to meet carrier and child-safety requirements.
Property, Equipment & Continuity
Equipment Breakdown
covers ride drives, HVAC, refrigeration, and essential electrical systems.
Commercial Property
protects coasters, animatronics, buildings, and other high-value physical assets.
Business Interruption
replaces peak-season income and funds faster repairs after covered shutdowns.
Event Cancellation & Weather Contingency
protects revenue when severe weather or public-health events force closures.
Cyber Liability
protects ticketing, payment systems, guest data, and ride-control technology.
Crime / Employee Dishonesty
protects cash-heavy operations from employee theft and dishonest acts.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
offers qualified operators captive and alternative risk-financing structures.
Contractual Risk Transfer Advisory
reviews insurance certificates, additional-insured terms, and contractual indemnification language.
Waiver & Release Consulting
strengthens participant waivers through sound drafting, administration, and retention.
Risk Management & Loss Control
delivers year-round safety reviews, compliance support, and incident-response guidance.
Claims Advocacy & Crisis Readiness
combines claims advocacy with incident planning and crisis-communications support.
Safety Library
provides on-demand attractions safety resources aligned with IAAPA standards.
Coverage Adequacy & Contract Audit
compares carried limits against contractual insurance requirements and exposures.
Simplified Onboarding
replaces duplicate applications with one streamlined digital coverage intake.
Dedicated Service Team
connects members directly with specialists who underwrite, service, and advocate.
Exclusive Member Discounts
offers member-only pricing and incentives across coverage and related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
The coverage available through IAAPA Insurance Solutions is built around how attractions actually operate — helping members manage catastrophic exposure, protect their guests and staff, and hold coverage that reflects the way the business really runs.
BUILT FOR THE INDUSTRY
Coverage forms, underwriting, and market access built for rides, water, animals, collections, and adventure — not generic commercial policies with riders attached.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with IAAPA Safety Institute standards and available to members worldwide.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you write classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Start With the Hardest Part
Let’s design your program from the excess tower down.
AMUSEMENT PARKS & THEME PARKS
Because in this industry, the excess tower is the part that decides whether a bad day ends the business.
What Makes This Risk Different
Mechanical rides are the single greatest liability exposure in the attractions industry. A serious malfunction produces catastrophic injury claims that can exceed $10 million per occurrence, and even a routine dispatch error can generate a significant claim. Layer on premises liability across thousands of guests, food and beverage exposure, liquor service that is now mainstream at parks, lightning and high-wind exposure in outdoor queues and lots, and a seasonal workforce of thousands of young first-time employees.
State ride inspection regimes vary dramatically — Florida, Ohio, Texas, and New Jersey run rigorous programs while some states have none at all, which means a multi-state operator faces genuinely different obligations park to park. Rides are also capital assets requiring accurate replacement cost valuation; a major coaster can cost $25 million or more. Most generic underwriters respond to all of this the only way they can: conservative pricing, restrictive endorsements, or a declination.
COVERAGE FOR THIS CLASS
What We Write for Amusement Parks & Theme Parks
Guest & Public Liability
Commercial General Liability
protects ride operations, queues, special events, and high-density guest exposures.
Umbrella / Excess Liability
builds high-limit towers around catastrophic attractions-industry claims.
Participant Legal Liability
covers activity-related injuries standard premises liability does not reach.
Ride & Attraction Liability
aligns coverage with ASTM standards, inspections, and maintenance documentation.
Aquatic & Water Park Liability
addresses drowning, lifeguard standards, and aquatic health-code compliance.
Sexual Abuse & Molestation (SAM)
adds separate limits for claims involving minors without eroding general liability.
Active Assailant & Terrorism (TRIA)
fills terrorism-related gaps for victim costs, interruption, and crisis response.
Liquor Liability
covers alcohol service across park venues, events, and premium areas.
International / Foreign Liability
extends liability protection to foreign operations, installations, and product sales.
Workforce & People
Employment Practices Liability (EPLI)
addresses harassment, discrimination, and wage-and-hour claims across seasonal teams.
Workers' Compensation
covers seasonal, J-1, and full-time employees with return-to-work support.
Accident Medical Coverage
pays first-party medical costs for smaller participant and guest injuries.
Employee Benefits
coordinates health, dental, vision, life, and pharmacy benefit programs.
Payroll & HR Support
provides outsourced payroll, HR administration, and compliance support.
Background Screening
screens seasonal teams to meet carrier and child-safety requirements.
Property, Equipment & Continuity
Equipment Breakdown
covers ride drives, HVAC, refrigeration, and essential electrical systems.
Commercial Property
protects coasters, animatronics, buildings, and other high-value physical assets.
Business Interruption
replaces peak-season income and funds faster repairs after covered shutdowns.
Event Cancellation & Weather Contingency
protects revenue when severe weather or public-health events force closures.
Cyber Liability
protects ticketing, payment systems, guest data, and ride-control technology.
Crime / Employee Dishonesty
protects cash-heavy operations from employee theft and dishonest acts.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
offers qualified operators captive and alternative risk-financing structures.
Contractual Risk Transfer Advisory
reviews insurance certificates, additional-insured terms, and contractual indemnification language.
Waiver & Release Consulting
strengthens participant waivers through sound drafting, administration, and retention.
Risk Management & Loss Control
delivers year-round safety reviews, compliance support, and incident-response guidance.
Claims Advocacy & Crisis Readiness
combines claims advocacy with incident planning and crisis-communications support.
Safety Library
provides on-demand attractions safety resources aligned with IAAPA standards.
Coverage Adequacy & Contract Audit
compares carried limits against contractual insurance requirements and exposures.
Simplified Onboarding
replaces duplicate applications with one streamlined digital coverage intake.
Dedicated Service Team
connects members directly with specialists who underwrite, service, and advocate.
Exclusive Member Discounts
offers member-only pricing and incentives across coverage and related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
The coverage available through IAAPA Insurance Solutions is built around how attractions actually operate — helping members manage catastrophic exposure, protect their guests and staff, and hold coverage that reflects the way the business really runs.
BUILT FOR THE INDUSTRY
Coverage forms, underwriting, and market access built for rides, water, animals, collections, and adventure — not generic commercial policies with riders attached.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with IAAPA Safety Institute standards and available to members worldwide.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you write classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Start With the Hardest Part
Let’s design your program from the excess tower down.
AMUSEMENT PARKS & THEME PARKS
Because in this industry, the excess tower is the part that decides whether a bad day ends the business.
What Makes This Risk Different
Mechanical rides are the single greatest liability exposure in the attractions industry. A serious malfunction produces catastrophic injury claims that can exceed $10 million per occurrence, and even a routine dispatch error can generate a significant claim. Layer on premises liability across thousands of guests, food and beverage exposure, liquor service that is now mainstream at parks, lightning and high-wind exposure in outdoor queues and lots, and a seasonal workforce of thousands of young first-time employees.
State ride inspection regimes vary dramatically — Florida, Ohio, Texas, and New Jersey run rigorous programs while some states have none at all, which means a multi-state operator faces genuinely different obligations park to park. Rides are also capital assets requiring accurate replacement cost valuation; a major coaster can cost $25 million or more. Most generic underwriters respond to all of this the only way they can: conservative pricing, restrictive endorsements, or a declination.
COVERAGE FOR THIS CLASS
What We Write for Amusement Parks & Theme Parks
Guest & Public Liability
Commercial General Liability
protects ride operations, queues, special events, and high-density guest exposures.
Umbrella / Excess Liability
builds high-limit towers around catastrophic attractions-industry claims.
Participant Legal Liability
covers activity-related injuries standard premises liability does not reach.
Ride & Attraction Liability
aligns coverage with ASTM standards, inspections, and maintenance documentation.
Aquatic & Water Park Liability
addresses drowning, lifeguard standards, and aquatic health-code compliance.
Sexual Abuse & Molestation (SAM)
adds separate limits for claims involving minors without eroding general liability.
Active Assailant & Terrorism (TRIA)
fills terrorism-related gaps for victim costs, interruption, and crisis response.
Liquor Liability
covers alcohol service across park venues, events, and premium areas.
International / Foreign Liability
extends liability protection to foreign operations, installations, and product sales.
Workforce & People
Employment Practices Liability (EPLI)
addresses harassment, discrimination, and wage-and-hour claims across seasonal teams.
Workers' Compensation
covers seasonal, J-1, and full-time employees with return-to-work support.
Accident Medical Coverage
pays first-party medical costs for smaller participant and guest injuries.
Employee Benefits
coordinates health, dental, vision, life, and pharmacy benefit programs.
Payroll & HR Support
provides outsourced payroll, HR administration, and compliance support.
Background Screening
screens seasonal teams to meet carrier and child-safety requirements.
Property, Equipment & Continuity
Equipment Breakdown
covers ride drives, HVAC, refrigeration, and essential electrical systems.
Commercial Property
protects coasters, animatronics, buildings, and other high-value physical assets.
Business Interruption
replaces peak-season income and funds faster repairs after covered shutdowns.
Event Cancellation & Weather Contingency
protects revenue when severe weather or public-health events force closures.
Cyber Liability
protects ticketing, payment systems, guest data, and ride-control technology.
Crime / Employee Dishonesty
protects cash-heavy operations from employee theft and dishonest acts.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
offers qualified operators captive and alternative risk-financing structures.
Contractual Risk Transfer Advisory
reviews insurance certificates, additional-insured terms, and contractual indemnification language.
Waiver & Release Consulting
strengthens participant waivers through sound drafting, administration, and retention.
Risk Management & Loss Control
delivers year-round safety reviews, compliance support, and incident-response guidance.
Claims Advocacy & Crisis Readiness
combines claims advocacy with incident planning and crisis-communications support.
Safety Library
provides on-demand attractions safety resources aligned with IAAPA standards.
Coverage Adequacy & Contract Audit
compares carried limits against contractual insurance requirements and exposures.
Simplified Onboarding
replaces duplicate applications with one streamlined digital coverage intake.
Dedicated Service Team
connects members directly with specialists who underwrite, service, and advocate.
Exclusive Member Discounts
offers member-only pricing and incentives across coverage and related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
The coverage available through IAAPA Insurance Solutions is built around how attractions actually operate — helping members manage catastrophic exposure, protect their guests and staff, and hold coverage that reflects the way the business really runs.
BUILT FOR THE INDUSTRY
Coverage forms, underwriting, and market access built for rides, water, animals, collections, and adventure — not generic commercial policies with riders attached.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with IAAPA Safety Institute standards and available to members worldwide.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you write classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Start With the Hardest Part
Let’s design your program from the excess tower down.