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Liability Insurance for Fun Centers

Our commitment to the industry is demonstrated by decades of experience insuring fun centers throughout the country, providing the market stability your clients deserve. Our focused expertise and dedicated service make us the right partner for you.

At Impact Programs, your clients gain membership to Entertainment Services Inc. (ESI), a national risk purchasing group created to enhance our products, services and pricing. To learn more about ESI, click here.

Eligible Operations

Fun Centers with the following attractions:

  • Games of Skill (skeeball, arcade games, video games, etc.)
  • Children’s Amusement Devices (kiddie rides, mazes, soft play, etc.)
  • Miniature Golf
  • Bumper Cars/Boats
  • Batting Cages
  • Go-Karts
  • Virtual Reality
  • Driving Ranges
  • Laser Tag
  • Paintball
  • Escape Rooms

Program Features

  • Broadened Personal Injury for ADA-related Claims (sub-limit applies)
  • Contractual Liability
  • Catastrophe Management
  • Non-Auditable Policy

Equally important are exposures we don’t exclude — like abuse & molestation, assault & battery and more.

Underwriting Requirements:

  • Completed applications
  • Minimum 5 years loss history

Program Limits:

Commercial General Liability (CGL):

  • $1M Each Occurrence
  • $1M Personal & Advertising Injury
  • $5M General Aggregate
  • $5M Products/Completed Operations Aggregate
  • $300k Damage to Premises Rented to You
  • $250k Catastrophe Management
  • $1M Liquor Liability (optional)
  • $100k Broadened Personal Injury

Minimum CGL Premium:

  • $1,500 w/o mechanically operated amusement device
  • $6,000 with mechanically operated amusement device

Excess Liability:

  • Up to $5M through our Program Carrier
  • Higher Limits Available Upon Request


Please download and complete the application(s) and submit to ipsubmissions@impactprograms.com.

Available Exclusively through Impact Programs

All of our programs are available on a national basis and exclusively through Impact Programs and its affiliates. With these programs you can position your agency as a market specialist in our targeted industries, offering a powerful combination of industry leading coverage, responsive claims management and competitive pricing. To learn more about submitting a risk, please click here or call us at (913) 218-3910.