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Answers to Frequent Party Rental Questions

Party Rental FAQ's

We have created this resource to help answer some common questions about Party Rental Insurance. If you still have questions please call us at 864-688-0121.

Why do I need loss runs?

We need to see your loss runs to get a clear picture of your claims history, to verify prior insurance coverage for underwriting purposes, to look for patterns of frequency or severity of loss which may cause them concern, and to calculate your loss ratio for underwriting purposes.

Inland Marine

What does this cover?

  • This is coverage for your equipment itself. This policy will cover your equipment against fire, theft or vandalism, where ever your equipment is (stored, transit, or at a party).

How is premium calculated?

  • Premium will depend on the value of your equipment

What do I need to get a quote?

  • Completed inventory list, serial numbers and value of all units.

What is Pay for Play?

Pay for play is a phrase used for a variety of situations in which money is charged per a person for the privilege to (play) in the inflatables.

What is an Additional Insured?

A general liability policy only provides defense coverage for the named insured. If you have sub contractors coming into your business you need to request insurance coverage from them with limits of at least $1,000,000 per occurrence and name them as additional insured. We would recommend that you do this for their general liability, commercial auto and workers compensation.

Can we insure Mechanical Bulls in Bars?

Unfortunately, no we cannot insure mechanical bulls that will be used inside of a bar.(Learn more about our mechanical bull insurance at

What coverage do I need?

Inflatable Rental Businesses will need several types of coverage to make sure that they have the correct coverages. These coverages include Commercial Auto, General Liability, Inland Marine & Workers Compensation. Larry Cossio (owner of the Cossio Insurance Agency) has created a 3 part video presentation called "Why didn't I buy the right insurance coverage?" that outlines these different coverages in detail.
Click here to see the video