Bounce House Insurance

Who needs bounce house insurance

If you charge to rent out a bounce house, water slide, or any inflatable structure, you are running a commercial operation that standard homeowners and personal-property policies do not cover. Bounce house insurance is the standard coverage for:

• Bounce house and inflatable rental businesses serving birthday parties
• Mobile party rental operators with multiple inflatable units
• Family entertainment centers with inflatable inventory
• Schools, churches, and HOAs renting their own inflatable equipment
• Concession operators bundling inflatables with other rentals

Most operators start with one or two units. The page below covers what your policy should include from the first event onward. Operators who also rent water slides or obstacle courses should pair this page with the water slide insurance and obstacle course insurance pages, since those classes underwrite differently.

What bounce house insurance covers

• Bodily injury — third-party medical and legal costs from injuries during use, setup, or takedown.
• Property damage — damage your operations cause to a venue or third-party property.
• Personal and advertising injury — libel, slander, copyright infringement claims.
• Products and completed operations — claims arising after you finish the event and leave.
• Inland marine (optional) — coverage for the inflatables themselves while in transit, at the warehouse, or set up at an event.
• Commercial umbrella (optional) — extra layer above your primary GL.

What bounce house insurance does NOT cover

• Employee injuries — those are workers compensation
• Your delivery vehicles — those are commercial auto
• Damage to your warehouse — commercial property
• Mistakes in advice or planning — professional liability / E&O
• Intentional acts or assault

Annual policies vs. one-day event coverage

We write annual commercial general liability policies, not one-day event policies. Annual coverage gives you continuous protection between events, simpler certificate workflows, and better long-term rates than buying one-day policies repeatedly. Most operators booking more than four events per year save money on annual coverage.

Annual also unlocks named-additional-insured endorsements and waiver-of-subrogation language that venues commonly require, both of which one-day policies frequently exclude or charge per request.

Common venue requirements

• Certificate of insurance with $1M per occurrence / $2M aggregate (typical)
• Venue named as additional insured on the COI
• Waiver of subrogation
• 30-day notice of cancellation
• Some county parks and school districts require named additional insured plus a primary and non-contributory endorsement

Equipment we cover

Each inflatable class is scheduled on the policy explicitly so claims do not turn on whether a unit was disclosed. The grid below links to the right page for each class.

States we serve

First Commercial is a Florida-resident agency in DeLand. Our primary market is Florida and we are actively writing in 13 additional states.

What affects your bounce house insurance cost

• Annual revenue
• Inventory size (number of units owned)
• Water-attraction percentage (water inflatables underwrite differently)
• Claims history (loss runs)
• Years in business
• State of operation
• Employee count
• Event types served (private parties vs. public events)

We do not publish flat rates because the same operator can land at very different premiums depending on which carrier sees the submission. Quoting multiple markets is literally what an independent agency does for you.

How to get bounce house insurance from First Commercial

1. Fill out the inflatable quote form (3 minutes).
2. We review and reach out within one business day.
3. We gather any underwriting details and bind coverage.
4. Certificates issue within 24 hours of binding.

Frequently asked questions