INSURANCE SOLUTIONS
INSURANCE SOLUTIONS
Coverage Written for Your Exposures
Coverage Written for Your Exposures
Insurance for IAAPA members covering guests, staff, animals, collections, rides, and products — built around the risks attractions actually carry, on the midway and long after installation.
Insurance for IAAPA members covering guests, staff, animals, collections, rides, and products — built around the risks attractions actually carry, on the midway and long after installation.
Delivering Measurable Impact
6,000+
IAAPA Member Organizations
100+
Countries Represented
140+
Higginbotham Offices Nationwide
1918
Serving the Industry Since
Delivering Measurable Impact
6,000+
IAAPA Member Organizations
100+
Countries Represented
140+
Higginbotham Offices Nationwide
1918
Serving the Industry Since
A PARTNER WHO KNOWS YOUR RISK
A PARTNER WHO KNOWS YOUR RISK
Specialist Coverage,
Fewer Surprises
Generic policies leave gaps with names: abuse and molestation, assault and battery, pollution, participant injury, exotic animal liability. IAAPA Insurance Solutions writes attractions-focused coverage designed to close them.
Core Coverage
Accident Medical Coverage
First-party medical coverage for participant and guest injuries that resolves smaller claims outside the liability program.
Accident Medical Coverage
First-party medical coverage for participant and guest injuries that resolves smaller claims outside the liability program.
Active Assailant & Terrorism (TRIA)
Closes the gap TRIA and standard CGL leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
Active Assailant & Terrorism (TRIA)
Closes the gap TRIA and standard CGL leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
Business Interruption
Compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
Business Interruption
Compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
Captive Insurance & Alternative Risk Transfer
Protects revenue when a ride goes down, weather closes the park, or an incident triggers an operational pause, built around this industry's seasonal revenue concentration.
Captive Insurance & Alternative Risk Transfer
Protects revenue when a ride goes down, weather closes the park, or an incident triggers an operational pause, built around this industry's seasonal revenue concentration.
Commercial General Liability
For qualifying, well-run operators: access to captive and alternative risk transfer structures that let a member retain underwriting profit. Public-facing copy: acknowledge availability for qualifying operators only, no mechanics or figures.
Commercial General Liability
For qualifying, well-run operators: access to captive and alternative risk transfer structures that let a member retain underwriting profit. Public-facing copy: acknowledge availability for qualifying operators only, no mechanics or figures.
Commercial Property
365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
Commercial Property
365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
Contractual Risk Transfer Advisory
The foundation liability policy for every attraction, written on forms shaped to ride operation, queue-line incidents, special events, and high guest density rather than generic commercial GL.
Contractual Risk Transfer Advisory
The foundation liability policy for every attraction, written on forms shaped to ride operation, queue-line incidents, special events, and high guest density rather than generic commercial GL.
Crime / Employee Dishonesty
Coverage purpose-built for attractions properties, from coasters and animatronics to historic museum buildings, with underwriters who understand true replacement cost.
Crime / Employee Dishonesty
Coverage purpose-built for attractions properties, from coasters and animatronics to historic museum buildings, with underwriters who understand true replacement cost.
Cyber Liability
Structuring and reviewing certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Cyber Liability
Structuring and reviewing certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Directors & Officers Liability
A structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
Directors & Officers Liability
A structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
Employment Practices Liability (EPLI)
For the high-volume cash operations at gates, concessions, and retail that create employee theft exposure.
Employment Practices Liability (EPLI)
For the high-volume cash operations at gates, concessions, and retail that create employee theft exposure.
Fiduciary Liability
Built for a workforce that is young, seasonal, and high-turnover by design, addressing harassment, discrimination, and wage-and-hour claims.
Fiduciary Liability
Built for a workforce that is young, seasonal, and high-turnover by design, addressing harassment, discrimination, and wage-and-hour claims.
International / Foreign Liability
Protects revenue and sunk costs when severe weather or public-health events force a closure or cancel a signature event.
International / Foreign Liability
Protects revenue and sunk costs when severe weather or public-health events force a closure or cancel a signature event.
Participant Legal Liability
The defining and hardest-to-place coverage for zoos and aquariums; fewer than a dozen U.S. carriers write it.
Participant Legal Liability
The defining and hardest-to-place coverage for zoos and aquariums; fewer than a dozen U.S. carriers write it.
Pollution Liability
For institutions with retirement plans and endowment investment responsibilities that carry board fiduciary duty.
Pollution Liability
For institutions with retirement plans and endowment investment responsibilities that carry board fiduciary duty.
Products & Completed Operations Liability
All-risk, wall-to-wall coverage for permanent collections, traveling exhibitions, and objects on loan, written to appraised value.
Products & Completed Operations Liability
All-risk, wall-to-wall coverage for permanent collections, traveling exhibitions, and objects on loan, written to appraised value.
Professional Liability / E&O
Covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
Professional Liability / E&O
Covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
Sexual Abuse & Molestation (SAM)
Coverage for venues serving alcohol, often better written as a separate policy than a CGL endorsement.
Sexual Abuse & Molestation (SAM)
Coverage for venues serving alcohol, often better written as a separate policy than a CGL endorsement.
Umbrella / Excess Liability
Coverage for injuries sustained during the activity itself, the exposure standard premises CGL does not reach.
Umbrella / Excess Liability
Coverage for injuries sustained during the activity itself, the exposure standard premises CGL does not reach.
Volunteer Accident Coverage
Outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
Volunteer Accident Coverage
Outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
Waiver & Release Consulting
Covers chemical storage, handling, and accidental release, plus recreational water illness contamination, on exposures standard forms exclude.
Waiver & Release Consulting
Covers chemical storage, handling, and accidental release, plus recreational water illness contamination, on exposures standard forms exclude.
Workers' Compensation
Coverage for the long-tail exposure of attractions manufacturing, where a ride sold today can generate a claim decades later, with deliberate management of policy continuity across years.
Workers' Compensation
Coverage for the long-tail exposure of attractions manufacturing, where a ride sold today can generate a claim decades later, with deliberate management of policy continuity across years.
Specialty Coverage
Animal Bailee / Care, Custody & Control
Inland marine protection for animals on loan to or from other institutions, including international loans requiring specialized marine cargo coverage.
Animal Bailee / Care, Custody & Control
Inland marine protection for animals on loan to or from other institutions, including international loans requiring specialized marine cargo coverage.
Animal Mortality Insurance
FScheduled coverage for the financial loss of animals in a collection, written through Lloyd's and a small number of domestic specialty markets.
Animal Mortality Insurance
FScheduled coverage for the financial loss of animals in a collection, written through Lloyd's and a small number of domestic specialty markets.
Aquatic & Water Park Liability
Coverage addressing drowning and near-drowning claims, lifeguard staffing and certification standards, and CDC Model Aquatic Health Code compliance.
Aquatic & Water Park Liability
Coverage addressing drowning and near-drowning claims, lifeguard staffing and certification standards, and CDC Model Aquatic Health Code compliance.
Aviation Liability
For helicopter, balloon, or small-aircraft tour operations, a separate specialty market governed by FAA regulations.
Aviation Liability
For helicopter, balloon, or small-aircraft tour operations, a separate specialty market governed by FAA regulations.
Equipment Breakdown
Direct access to a dedicated specialty service team, the same people who underwrite, service, and advocate for the account.
Equipment Breakdown
Direct access to a dedicated specialty service team, the same people who underwrite, service, and advocate for the account.
Event Cancellation & Weather Contingency
Protection for volunteer boards and leadership covering the decisions that actually generate claims: acquisition/disposition, employment, and financial management.
Event Cancellation & Weather Contingency
Protection for volunteer boards and leadership covering the decisions that actually generate claims: acquisition/disposition, employment, and financial management.
Equine Liability
Protection for ticketing, POS, guest data, and operational technology behind ride control, addressing both guest-data breach and OT compromise.
Equine Liability
Protection for ticketing, POS, guest data, and operational technology behind ride control, addressing both guest-data breach and OT compromise.
Exotic Animal Liability
Full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside P&C placement.
Exotic Animal Liability
Full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside P&C placement.
Fine Art & Collections Insurance
Specialty coverage for horseback riding and equestrian tour operations, excluded from most CGL forms.
Fine Art & Collections Insurance
Specialty coverage for horseback riding and equestrian tour operations, excluded from most CGL forms.
Inland Marine / Equipment Floater
Covers ride drive systems, pumps, filtration, life-support infrastructure and similar mechanical assets essential to operations.
Inland Marine / Equipment Floater
Covers ride drive systems, pumps, filtration, life-support infrastructure and similar mechanical assets essential to operations.
Liquor Liability
Member-only pricing and program incentives across covered lines and program-related services.
Liquor Liability
Member-only pricing and program incentives across covered lines and program-related services.
Ride & Attraction Liability
For members working across borders, covering liability from foreign operations, installation, and product sales.
Ride & Attraction Liability
For members working across borders, covering liability from foreign operations, installation, and product sales.
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.
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.
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.
Ready for Insurance That Understands Your Operation?
IAAPA Insurance Solutions was created on a simple principle: the attractions industry deserves an insurance partner who knows why a coaster, a wave pool, and a life-support system are not the same risk.
Ready for Insurance That Understands Your Operation?
IAAPA Insurance Solutions was created on a simple principle: the attractions industry deserves an insurance partner who knows why a coaster, a wave pool, and a life-support system are not the same risk.
Ready for Insurance That Understands Your Operation?
IAAPA Insurance Solutions was created on a simple principle: the attractions industry deserves an insurance partner who knows why a coaster, a wave pool, and a life-support system are not the same risk.