For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
Selling or renting bounce houses for playgrounds and special events can be a great source of income. The average cost of a single bounce house for sale is about $1,779 with $100 - $200 profit per unit sold.
On the other hand, the admission fee of bounce house centers typically ranges from $5 - $20. With that said, if 300 kids visit your bounce house in one month, then your bounce house center generates a monthly income of $1,500 to $6,000. This is one rewarding business!
Bounce house rental is another highly profitable business. The average bounce house rental cost in the United States is roughly $152 per week, which comes up to $608 per month. Invest in 10 bounce houses and you’ll be able to rent them for about $6,080 per month on average!
If you want to start a bounce house or moon bounce business, go ahead because it can be a highly profitable business that will make you rich. But before you do so, here’s something you should know. Making money through bounce houses doesn’t come without risk. A recent study has found that bounce houses injure an American child every 46 minutes(!)
With that said, applying to get bounce house business insurance or bouncy castle insurance for bounce house centers, retailers, and rentals is crucial for your business to be protected from potential lawsuits. To learn more about how insurance for bouncy castle business works, we came up with this bounce house insurance guide that will teach you all about it!
A commercial bounce house insurance, or simply bounce house business insurance, serves to protect those running bounce house centers or retail businesses against personal injury lawsuits and property damage lawsuits. Protection from such risks is offered through liability insurance for bounce house business and other coverages that are included in bounce house insurance.
Inflatable bounce house insurance has liability policies that can protect it from common risks involved in operating such businesses. There are various kinds of bounce house liability insurance that can achieve this purpose. However, bounce house insurance companies and us as well usually recommend general liability and professional liability insurance for bounce houses.
General liability insurance protects your bounce house center or retail business from personal injury lawsuits and property damage lawsuits resulting from accidents. This is a bounce house insurance coverage that is common to have as it covers you from the most basic and common risks you may face as a bounce house business owner.
Many children’s organizations have proven that the bounce houses found at parties and festivals are perilous even with proper parental supervision. Here are some common bounce house-related injuries children usually experience:
In addition, here are some interesting findings that will make you understand the importance of general liability policy included within insurance for inflatable bounce houses.
CNN Health - There are 1,500 cases of children’s injuries related to bounce house use from 1995 - 2010
Consumer Product Safety Commission - 12,800 cases of children’s injuries were recorded in 2012 related to bounce house use
American Methodological Society - The interior of a bounce house is much hotter than the surroundings. As a result, children playing are at risk of experiencing heat-related injuries such as heat stroke and heat exhaustion
In addition, here are some real-life cases where inflatable bounce insurance that includes general liability could have helped.
Saratoga County - Little Tikes, a toy store and bounce house retailer in Queensbury, faced a lawsuit after its bounce house injured two children during a children’s event
Fort Lauderdale - All Star Events, a bounce house retailer in Miami Lakes, faced a lawsuit after one of the kids playing at its bounce house suffered a concussion because of an accident
Tampa - Big Bounce, a company manufacturing and selling bounce houses to consumers, faced a $30,000 lawsuit after someone claimed to have experienced an accident while using the company’s bounce house in Raymond James Stadium.
Texas - Pump It Up, a bounce house and inflatable toys center, had to pay $1.3 million as compensation to a 9-year old who got injured while playing
With general liability insurance coverage, your bounce house center or retail business doesn’t have to worry if someone files a personal injury lawsuit or property damage lawsuit. This is because the policy gives $1 million up to $2 million for you to pay the compensation to the victim, attorney fees, and other legal costs.
Product liability insurance is an additional coverage included in general liability insurance. It's also possible to get this as a stand-alone policy from companies offering tailored inflatable insurance for bounce house businesses. This policy applies if the client files a property damage lawsuit or personal injury lawsuit because the bounce house has manufacturing defects, design defects, and improper labeling.
Always confirm with your carrier if its general liability insurance has product liability coverage because a basic general liability policy won’t account for personal injuries or property damage arising from product issues. Note that having product liability coverage is very crucial if you’re selling bounce houses.
All bounce house retail businesses must disclose the possible hazards of their products to the clients’ children. On the other hand, all bounce house centers must have a staff who can assist or watch out for accidents while the children are playing.
Non-disclosure, failure to render assistance, or failure to look out after the kids can be a ground for professional negligence. Professional negligence lawsuits can be costly. Without the right inflatable business insurance that covers such peril, expect to pay $100,000 - $500,000 to wrap things up.
Bounce house insurance includes professional liability coverage aside from general liability coverage. This bouncy castle liability insurance type will take care of lawsuits when your bounce house retail business is accused of forgetting to educate clients about the dangers of a bounce house. If you’re running a bounce house center, then this policy will kick in if a staff fails to render assistance or guard the kids while playing.
Reno, Nevada - Bounce House Guy received a lawsuit from a Reno Family, who accused the owner of committing negligence by failing to warn his customers about the dangers of using a bounce house during bad weather
Noblesville - A Jump’N’Play customer suspects that employee negligence could have contributed to her child’s injuries while playing in a bounce house and is planning to raise a lawsuit
Wait a minute, what if you’re just a bounce house rental business and not a bounce house center or a retailer? Can you also be sued and covered? Absolutely! This is what bounce house rental insurance exists for. Let’s discuss what this is next.
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A specialized bounce house rental business insurance offers protection against risks unique to businesses renting bounce houses for events, children’s parties, and more. Compared to selling bounce houses, renting bounce houses is riskier. And so, the coverage options for inflatable rental insurance have higher coverage limits.
Liability coverage within inflatable bounce house rental business insurance policies is similar to liability coverage in bounce house insurance for retailers - and includes general liability and professional liability within an inflatable rental business insurance policy.
General liability insurance for inflatable bounce house rentals works the same way as the general liability insurance for retailers. That is, it provides protection against personal injury lawsuits and property damage.
But there’s also a slight difference: General liability insurance for bounce house retailers comes with products liability coverage as an additional policy. On the other hand, general liability insurance for inflatable bounce house rental business has products and completed operations policy as an additional coverage.
How about professional liability insurance? Professional liability insurance for bounce house rentals and bounce house retailers also works the same way.
Bounce house insurance for retailers or rentals only offers general liability having products liability coverage or products and completed operations coverage and professional liability insurance. However, there are other liability insurance for bounce house business that, although not very important for your bounce house business, are still useful and can be endorsed to your basic inflatable bounce insurance. These are cyber liability insurance and employer’s liability insurance.
Getting cyber liability insurance for inflatable business is a great idea if you’re running a website for your bounce house retail business or rental business. In case someone hacks it, cyber liability insurance will help to pay for data recovery and compensation if ever affected parties file a lawsuit. The amount of money you’ll get from cyber liability insurance is $500,000 up to $5 million.
Get employer’s liability insurance if your bounce house retail business or bounce house rental business has 3 or more employees. In a nutshell, this policy you can endorse to tailored inflatables insurance will pay if an employee files a lawsuit and accuses you of:
Failure to give employee benefits
Failure to give compensation for work-related injuries
Note that employer’s liability insurance is different from employment practices liability insurance. Employer’s liability insurance excludes wrongful termination, sexual harassment, and discrimination. On the other hand, employment practices liability insurance includes all of these.
Aside from liability policies, bounce house insurance can also include commercial property insurance and commercial auto insurance.
Commercial property insurance will take care of your business assets. This includes the bounce house in your inventory, your store, and bounce house installation equipment.
Commercial auto insurance will take care of accidents your business vehicle causes. This is very important if you’re running a bounce house retail or rental business with a delivery service. Aside from getting commercial auto, it’s also a good idea to get inland marine coverage to have protection against theft or damage to your bounce house while it's in transit.
Workers comp insurance is usually not included in bounce house insurance programs. You’ll have to get this as a stand-alone policy. Consider getting workers comp if you have 3 or more employees as the failure to do so is an infringement of the law.
Jump house or bounce house - actually, these terms are the same. People in the southern regions of the United States use the term “bounce house or bouncy castle”. While those in other regions use the term “jumpy castle''. But all in all, both refer to the same thing.
The same also goes for insurance for jumping castle business and insurance for bounce house business. And so, don’t get confused if some insurance carriers use the term “jump house insurance” while others use “bounce house insurance”. Both refer to the same insurance policy.
A one day bounce house insurance is a temporary policy that carriers offer. By the way, this one is more expensive than the standard 6-month or 1-year bounce house insurance.
As the name implies, the effectiveness of 1-day bouncy castle insurance lasts for 24 hours. But note that, if you want it, the policy can also last for hours or days. Temporary bounce house insurance has general liability coverage, professional liability coverage, and premises liability coverage.
When should you get this policy? Consider purchasing a bouncy castle day insurance if you install or sell a bounce house in an event taking place in a location not covered by your present carrier.
A one day insurance already serves as special event insurance for bounce house business. But note that you can also qualify for a more comprehensive bounce house event insurance having general liability, professional liability, participant accident liability, premises liability, and host liquor liability policies.
Let’s say you just own a bounce house at home and you want to get it insured. Can you use your renter’s insurance or homeowner’s insurance to do so? The answer is - it depends on your carrier.
Some carriers allow their customers to use their homeowner’s insurance to cover injuries a bounce house causes to other kids. Other carriers, in contrast, expressly exclude bounce houses and may even cancel their customers’ policy if they own one.
With that said, review your insurance policy and look if you can cover a bounce house. You can also ask your insurance agent.
The average cost of bouncy castle insurance is $41.66 a month or $500 a year for a $1 million general liability coverage. For professional liability insurance, bounce house insurance cost is $39 a month or $468 a year.
For further reference, we also included the specific bouncy castle insurance cost of the best insurance companies:
| ||Bouncy Castle Insurance Price per Month||Bouncy Castle Insurance Price per Year||Best for|
|CoverWallet||$27||$324||Bounce house insurance online quotes comparison|
|Thimble||$31||$372||Short-term insurance for small bounce house businesses|
|Next||$40.58||$486.96||Bounce house insurance with discounts|
|Bounce House Insurance||$42||$504||Dedicated carrier for bounce house insurance|
|Prime Insurance||$44.46||$533.52||Bounce house insurance with 24-hour claims service|
|Cossio Insurance||$45|| $540 ||Indoor centers and party rental businesses with bounce houses and other inflatables|
Bounce house rental insurance cost is $50 a month or $600 a year for a $1 million general liability policy having products and completed operations coverage .
The cost of one day insurance for bounce houses is $280 - $400 for 24-hour coverage.
The cost of event insurance for bounce houses depends on the type of event. Here’s a table that shows you the specific costs.
|Event||Bounce House Event Insurance Cost|
|Wedding and Reception||$80|
Comparing quotes is the best way for you to find cheap bounce house insurance, and you can do so effortlessly. On this page is a cheap bouncy castle insurance quotes generator, which can help find the best bounce house insurance near you. To start comparing, just look for the “Get Quotes” button on this page and fill-up the form. But still, a bouncy castle insurance compare is better done if you know the best companies right now, so keep reading.
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Many companies claim to offer the best bounce house insurance. However, there are only a few that online reviews and forums recommend. And so, here’s an outlook of the best bounce house insurance companies according to online sources. Read to know their pros, cons, and monthly pricing for a $1 million general liability coverage.
Easy insurance purchase
Fast bounce house insurance search and comparison online
Seamless policy management using the MyCoverWallet app
Not a bounce house insurance company but an online quote comparison platform selling the policies of its partners
CoverWallet doesn’t have its own insurance for inflatable jumpers such as bounce houses or trampolines. However, we placed this company on the top of our list because it helps you find the best inflatable bounce house insurance companies in just a click. Moreover, if the bounce house insurance company is working with CoverWallet, then you can directly buy its insurance policy on CoverWallet's website and manage it using the MyCoverWallet app.
Best for: Bounce house insurance online quotes comparison
Average cost: $27 per month
Our rating: 10/10
Offers short-term insurance for all kinds of businesses
Allows you to get insured for only 1 hour, 6-hours, 24 hours, and so on.
Only offers the basic policies businesses need
Thimble doesn’t expressly state that it has bounce house or moon bounce insurance. Nonetheless, its short-term insurance is available to a variety of businesses and so, you can still get covered. Thimble’s short-term insurance offers general liability insurance, equipment coverage, and professional liability insurance all having a $1 million policy limit.
Best for: Short-term insurance for small bounce house businesses
Average cost: $31 per month
Our rating: 9/10
Easy online application
Get insured in just 5 minutes
Get a 5% discount when bundling insurance policies
Offer bounce house insurance Florida and other 49 states
Doesn’t have liability policies in its bounce house business insurance
Next offers workers compensation insurance and commercial auto insurance for your bounce house business. Furthermore, this company helps you save money since it offers discounts if you decide to add stand-alone policies to Next’s bounce house insurance. Other perks you’ll enjoy from Next are online claims filing, online insurance payment, and online insurance application.
Best for: Bounce house insurance with discounts
Average cost: $40.58 per month
Our rating: 9/10
Offers numerous discount options
Dedicated carrier for bounce house insurance
Allows you to get bouncy castle insurance for birthday party
Doesn’t offer professional liability insurance
Bounce House Insurance is a good option if you’re looking for specialized bouncer insurance. As its name implies, this company is all about insuring bounce houses and other inflatable entertainment devices.
Bounce House Insurance offers $1 million up to $2 million general liability coverage and participant accident coverage with no random exclusions. Another great thing about the company is that it offers a $5 discount if you connect to its Facebook, Twitter, Linkedin, and Google+ accounts. Other options for saving money are new and renewal policy discounts.
Best for: Dedicated carrier for bounce house insurance
Our rating: 9/10
Has all the specialized insurance policies for indoor centers and party rental businesses
Bounce house insurance has inland marine coverage
Some say that Cossio’s pricing is much more expensive than the price indicated by its quotes
Cossio covers your bounce house through its inflatable insurance for indoor centers and party rentals. This company offers insurance for moon bounces with inland marine coverage and general liability coverage. Also, you can name additional insureds to your policy. Aside from bounce house insurance, Cossio also offers inflatable water slide insurance, mechanical bull insurance, moonwalk insurance, and trackless trains insurance.
Best for: Indoor centers and party rental businesses with bounce houses and other inflatables
Average cost: $45 per month
Our rating: 7/10
Has an in-house risk management team
24-hour claims service
Prime doesn’t specify what kind of liability policies it has for bounce house businesses
Last but not least of the best bounce house insurance is Prime Insurance. Try this company because it offers 24-hour claims service. It also has an in-house risk management team that will help you devise the best strategies for reducing the likelihood of liability claims against your bounce house business.
Best for: Bounce house insurance with 24-hour claims service
Average cost: $44.46 per month
Our rating: 7/10
You need to have insurance when running a bounce house business. Insurance policies will cover costs if a customer gets injured or incurs damage because of your business operations. With insurance, you can reduce losses to zero or keep losses at a minimum.
The United States doesn’t have any laws that require bounce house businesses to get insurance before renting out inflatables. Despite this, it’s important to get insurance in order to compensate customers if a rented bounce house causes injuries or even death.
If you own a bounce house rental business, get general liability insurance with products and completed operations coverage. Basic general liability insurance is already enough if you’re running a bounce house center. Finally, general liability insurance with products and completed operations coverage is useful if you’re selling bounce houses.
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