Insuranks
Insuranks

Bounce House Insurance: Cost & Quotes From $11

icon Your information is secure with us and solely used to connect you to relevant insurance offers, companies and services.

Table of contents

1. Commercial Bounce House Insurance for Bounce House Centers and Retail Businesses 2. Inflatable Bounce House Insurance: Liability Policies 2.1. General Liability Insurance for Bounce House Business 2.1.1. Product Liability Insurance for Bounce House Business 2.2. Professional Liability Insurance for Bounce House Business 3. What is Bounce House Rental Business Insurance? 4. Liability Insurance for Bounce House Rental Business 5. Are There Other Liability Insurance for Bounce House Business Options That You Should Consider Getting? 6. Are There Other Policies in Bounce House Insurance Aside from Liability Policies? 7. Is Insurance for Jumping Castle Business and Insurance for Bounce House The Same? 8. One Day Bounce House Insurance 9. Special Event Insurance for Bounce House 10. Does Renter’s and Homeowner’s Insurance Cover Bounce Houses? 11. Bounce House Business Insurance Cost 11.1. How Much is Bounce House Rental Insurance? 11.2. How Much is Bouncy Castle Insurance for One Day?11.3. How Much is Event Insurance for Bounce House? 12. 13. How to Get Cheap Bounce House Insurance? 14. Best Bounce House Insurance Companies  14.1. CoverWallet Insurance 14.1.1. Why Get Insured by CoverWallet?14.1.2. Why Take CoverWallet with a Grain of Salt?14.2. Thimble Insurance 14.2.1. Why Get Insured by Thimble?14.2.2. Why Take Thimble with a Grain of Salt?14.3. Next Bounce House Insurance14.3.1. Why Get Insured by Next?14.3.2. Why Take Next with a Grain of Salt?14.4. Bounce House Insurance 14.5. 14.5.1. Why Get Insured by Bounce House Insurance? 14.5.2. Why Take Bounce House Insurance with a Grain of Salt? 14.6. Cossio Bounce House Insurance 14.6.1. Why Get Insured by Cossio Insurance14.6.2. Why Take Cossio Insurance with a Grain of Salt?14.7. Prime Bounce House Insurance 14.7.1. Why Get Insured by Prime Insurance?14.7.2. Why Take Prime Insurance with a Grain of Salt?

Selling or renting bounce houses 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!

Commercial Bounce House Insurance for Bounce House Centers and Retail Businesses

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: Liability Policies

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 for Bounce House Business

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 bounce houses, though looking safe at first glance, are actually perilous even with proper parental supervision. Here are some common bounce house-related injuries children usually experience:

Injury Compensation cost
Neck trauma $200,000
Concussion $129,000
Laceration $5,000
Fracture $80,000


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 for Bounce House Business

Product liability insurance is an additional coverage included in general liability insurance. 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. 


Professional Liability Insurance for Bounce House Business

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 insurance, 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. 

Compare Bounce House Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

What is Bounce House Rental Business Insurance?

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 Insurance for Bounce House Rental Business

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. 


Are There Other Liability Insurance for Bounce House Business Options That You Should Consider Getting?

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 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 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. 


Are There Other Policies in Bounce House Insurance Aside from Liability Policies?

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. 


Is Insurance for Jumping Castle Business and Insurance for Bounce House The Same?

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. 



Rank and Review Insurance Companies

Help others make better decisions

Show more

One Day Bounce House Insurance

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.


Special Event Insurance for Bounce House

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.


Does Renter’s and Homeowner’s Insurance Cover Bounce Houses?

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.


Bounce House Business Insurance Cost

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


How Much is Bounce House Rental Insurance?

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 .


How Much is Bouncy Castle Insurance for One Day?

The cost of one day insurance for bounce houses is $280 - $400 for 24-hour coverage.


How Much is Event Insurance for Bounce House?

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
Family Reunion $176
Birthday Party $185
Casino $200
Block Party $221


How to Get Cheap Bounce House Insurance?

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.

Compare Bounce House Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Bounce House Insurance Companies 

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. 



CoverWallet Insurance


Why Get Insured by CoverWallet?

  • Easy insurance purchase

  • Fast bounce house insurance search and comparison online

  • Seamless policy management using the MyCoverWallet app

Why Take CoverWallet with a Grain of Salt?

  • 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 comparison

Average cost: $27

Our rating: 10/10




Thimble Insurance


Why Get Insured by Thimble?

  • 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. 

Why Take Thimble with a Grain of Salt?

  • 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

Our rating: 9/10




Next Bounce House Insurance

Why Get Insured by Next?

  • Easy online application

  • Get insured in just 5 minutes

  • Get a 5% discount when bundling insurance policies

Why Take Next with a Grain of Salt?

  • 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

Our rating:  9/10



Bounce House Insurance


Why Get Insured by Bounce House Insurance?

  • Offers numerous discount options

  • Dedicated carrier for bounce house insurance

  • Allows you to get bouncy castle insurance for birthday party

Why Take Bounce House Insurance with a Grain of Salt?

  • 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

Average cost: $42

Our rating: 9/10



Cossio Bounce House Insurance


Why Get Insured by Cossio Insurance

  • Has all the specialized insurance policies for indoor centers and party rental businesses

  • Bounce house insurance has inland marine coverage

Why Take Cossio Insurance with a Grain of Salt?

  • 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

Our rating: 7/10




Prime Bounce House Insurance


Why Get Insured by Prime Insurance?

  • Has an in-house risk management team

  • 24-hour claims service

Why Take Prime Insurance with a Grain of Salt?

  • 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

Our rating: 7/10




Recent Reviews

Recent Posts