Themed & Branded Inflatable Insurance

Who needs themed and branded inflatable insurance

Themed and branded inflatables look different but underwrite mostly the same as their non-themed cousins — until you start using them in brand campaigns, sponsored events, or licensed character contexts. The IP exposure (counterfeit characters, unlicensed reproductions, brand-disparagement claims) is not a standard CGL coverage and we flag it during the quote process. Schedule each themed unit with the manufacturer and license source so the policy can respond if a brand owner sends a cease-and-desist or worse. Operators using licensed-character units should keep their license documentation in the same file as the policy.

What makes themed and branded inflatable underwrite differently

• IP and licensing exposure — unlicensed character reproductions are not covered under standard CGL
• Sponsored-event use can re-trigger brand requirements that the unit was not built for
• Photographic and video usage of the unit at events introduces personal-and-advertising-injury exposure
• Themed units are often custom-built and harder to replace — inland marine matters more here
• Brand campaigns may require additional insured endorsements naming the brand owner

What this coverage includes

• 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.
• Products and completed operations — claims arising after you finish the event and leave.
• Inland marine (optional) — coverage for the themed and branded inflatable units themselves while in transit, at the warehouse, or set up.
• Commercial umbrella (optional) — extra layer above primary GL.

What it does NOT cover

• Employee injuries — workers compensation
• Delivery vehicles — commercial auto
• Damage to your warehouse — commercial property
• Mistakes in advice or planning — professional liability / E&O
• Intentional acts or assault
• Equipment you did not schedule on the policy

Annual coverage vs. one-day events

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

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

What affects your premium

• Annual revenue
• Inventory size (number and class of units owned)
• Claims history (loss runs)
• Years in business
• State of operation
• Employee count and use of subcontractors
• Event types served (private parties versus public events versus school districts)

Frequently asked questions