Insurance for Family Entertainment Centers (FEC)
Every Family Fun Center is unique and finding an insurance plan that fits your center can be tough. For this reason you need an insurance broker that is experienced in providing insurance for family entertainment centers. Cossio Insurance Agency knows the ins and outs of insuring FEC's and we can make sure that you not only have insurance coverage, but that you have the proper coverage so that you are protected in the best way possible. The CIA specializes in insuring the amusement and entertainment industry. Our policies can cover activities like: Laser Tag, Bumper Boats, Putt-Putt / Miniature Golf, Batting Cages, Go-karts, Rope Courses, Bounce Houses, Arcades, Bowling, Zip Lines, Paintball, Airsoft, Rock Climbing Walls, Skating Rinks and many other types of amusement devices.
Faster Quote Online Family Fun Park Application Broker Application Slower Quote PDF Family Entertainment Center PDF
How much is liability insurance for a fun park?
General Liability insurance premiums are based off of your estimated gross sales & the activities that your FEC offers. For example go-karts are a higher risk item than bumper cars. This is standard practice with all companies insuring family fun centers. Make sure that you report your correct gross sales & activities when obtaining your insurance...you do no want to leave yourself under-insured in the event of an accident!
If you are looking for an IAAPA family fun park insurance program we can write insurance policies for IAAPA programs. We are also experts at insuring items that are hard to place risks. Since we are brokers that means we represent the top insurance carriers in order to provide your family fun center with the best insurance rates and coverage. Let us do all the hard work of shopping for the best specialty general liability insurance program for your Family Entertainment Center . Don't trust your business to just anyone. Trust it to someone who is experienced & knowledgeable about how family fun park business works. Trust it to Cossio Insurance Agency.
Coverages other than liability
On top of your regular FEC general liability insurance policy there are some additional policies that you may need to make sure that your business is fully covered.
Workers Compensation coverage is a requirement in most states if you have employees. It provides coverage for bodily injury, medical bills, loss of income, death for all employees, full time or part time.
Download Workers Comp Application
If you have an Indoor Inflatable Center inside of your family entertainment center you will need to fill out this supplemental application.
Download Inflatable Supplement
Your personal auto policy has an exclusion for business use so you will have no coverage under your current auto insurance policy. A commercial auto policy will cover you for both business use and personal use. The need for this coverage will depend on whether you use vehicles in order to transport items to/from your fun center or for other business use.
Download Commercial Auto Application
Cyber Liability Coverage
Family Entertainment Park Safety
Most of the injury claims that we see coming from family entertainment centers are from the go-kart tracks and miniature golf course. Using proper risk management will drastically lower the risk of an incident happening at your facility.
Safety Tips for miniature golf courses:
• Check for potential trip and fall issue such as an uneven joint in the walkway, a crack in the side walk, loose railing poles.
• Make sure that all stairs are clearly painted and no slip added where necessary.
• Check all golf clubs for signs of damage before handing out.
• Have signs to direct customers in the right direction and to remind them of safety rules.
Have staff supervising the course to deter people from doing something unsafe.
Go-Kart Track safety:
• Trained Employees - Teach employees what they need to look for and how to handle the situations that they might encounter.
Clear Signage for safety rules
An electric ignition cut off is mandatory to control the speed and action on a go-kart track.
Make sure that there are enough employees to cover the whole track. One employee should be assigned to the ignition cutoff box and never leave their post.
• Employees should have walkie talkies so that they can communicate where there might be an issue or emergency.