Six attractions under one roof, and each one rates differently.

General liability

Third-party bodily injury and property damage — the line nearly every contract names by default.

Without it — Guests moving between attractions, most of them children, most of them running.

Participant accident

Pays the medical costs of someone injured while taking part — a player, a camper, a rider — without anyone having to establish that the organisation was at fault.

Without it — Injuries that happen when everything worked correctly and nobody was at fault.

Commercial property

Buildings and contents, valued at what it costs to rebuild today rather than what you paid.

Without it — The building, the attractions and the fit-out, which is most of the invested capital.

Business income

Replaces the profit and pays the ongoing bills while a covered loss keeps you closed — the part of a fire claim that is not the building.

Without it — A closure in the school holidays costs a disproportionate share of the year.

Equipment breakdown & spoilage

Covers the walk-in, the compressor and the line when they fail from the inside — a mechanical or electrical breakdown is excluded by property policies, and the stock that thawed goes with it.

Without it — Karts, compressors, lifts and control systems that stop the attraction when they fail.

Liquor liability

If you serve alcohol, your general liability almost certainly excludes what happens after you serve it.

Without it — Alcohol alongside attractions changes the risk of every one of them.

Umbrella & excess liability

Extra limit stacked above general liability, auto and employers liability. Usually the cheapest million dollars on the policy.

Without it — Leases and franchise agreements specify limits above primary.

Employment practices liability

Wrongful termination, discrimination and harassment claims brought by your own employees. General liability specifically excludes these.

Without it — A young, seasonal, high-turnover workforce is the profile these claims come from.

Why does adding one attraction change our whole premium?

Because the rate follows the hardest thing in the building. Adding go-karts, a ropes course or trampolines to an arcade does not add a line item — it can move the account into a different market entirely, since some carriers write amusement and stop at specific attractions. Tell your broker before you install, not at renewal, because the answer occasionally is that the account has to move.

Do waivers protect us?

They help and they are not a substitute. Enforceability varies by state, they are frequently ineffective against a minor’s claim brought by a parent, and they do nothing about a spectator. Underwriters like to see them — a well-drafted waiver, consistently collected, is evidence of a run operation — but they price the activity, not the paperwork.

What do underwriters look at first?

The attraction list, then supervision. Ratios of staff to guests, documented training, inspection logs, height and age rules and how they are enforced, and incident records. A centre that can produce daily inspection sheets and a written attraction-by-attraction procedure prices differently from one that cannot, on identical attractions.