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General Frequently Asked QuestionsAt Fun Pro, we do our very best to answer all of the questions regarding party planning and event planning insurances / liabilities. Please feel free to read through our FAQ pages. If you have further questions, please contact us via email. Thank you.
Special events insurance doesn’t have to break your bank. Our motto for our special events liability insurance is “Payment Terms, On Your Terms!” We work with you to cover all your needs in a way that this affordable for you – we carry inflatables insurance, climbing wall, bounce house insurance and more. We offer low minimum premiums so you can use more of your money in other areas of your business. We want you to succeed! Our professional liability insurance coverage is always reasonable and will protect you in your party rental business, whether you need our special events insurance for a public event or in a private party environment.
Many special events liability insurance companies insist on payment terms that are simply too expensive for our party rental business owners who need public event coverage. That’s where our professional liability insurance separates us from companies that are eager to make a fast buck. Of course we’re a business and want to make a profit, but we believe in working with our clients in a fair and reasonable manner -- whether you’re a small business or a large corporation. We all know that a personal injury accident can occur on a moon bounce, a moonwalk inflatable, a climbing wall, or a slide. That’s why our inflatables insurance and our special events insurance coverage are so important to have. We thoroughly investigate each and every claim we receive and will pay for any reasonable and well-documented claim. By operating in this manner, we are able to keep our premiums at a level you can afford. What is your insurance rating and how long have you been in business? Party rental insurance offers event liability for any special event. Through our party liability insurance, we offer a wide range of accident and property coverage – from damage to a waterslide or moon bounce to an injury on one of your children’s inflatables. Equipment failure, damage, breakage and personal injury accidents are mostly avoidable. However, when something does happen, whether there is a rip in one of your inflatables or an accident on your waterslide or climbing wall, with our party liability insurance you can rent out your party equipment and amusements with peace of mind. When we cover your business for a special event – a children's birthday party, a wedding, a church festival, a family reunion, graduation, picnics or a corporate affair -- know that you will be provided with the best property coverage and event liability insurance the market has to offer.
Don't let fear of an accident, injury or equipment damage ruin your fun. Remember, it's a party! What type of equipment and in what amusement venues does your party rental insurance cover? Inflatables insurance and bounce houses insurance are our specialty. Our party planners insurance and our inflatable rental insurance are specifically designed to offer protection to individuals and companies involved in the amusement industry. Whether you are renting out a moonwalk bounce house or bungee basketball, we’ve got you covered. We can tell by the number of renewals we receive that our customers, who own inflatable rental equipment companies, have been very happy with the inflatable rental insurance and the party planners insurance we have to offer. Our fifteen plus years of experience has helped us underwrite the best liability coverage around. Whether you rent out a waterslide, a moonwalk bounce house, or own an amusement park, you can feel secure that whatever the size of your business, or whatever the nature of your amusement business, our inflatables and bounce houses insurance policies will be written to accommodate your particular needs
Can you explain the nature of an insurance waiver and can you prepare one for our business?Sure. An insurance waiver is basically a release form to protect businesses and companies from being sued. The purpose of a waiver is to hold harmless people or companies from liability, or responsibility, especially in situations where physical injury could occur. Here is an example using inflatable equipment. Let’s say you are renting out an outdoor/indoor inflatable boxing ring. Even though you have done everything correctly and safely, you cannot be absolutely certain that someone will not get hurt. Therefore, before any two people can use the inflatable equipment, they would be required to sign an insurance waiver (release form). Their signature on a waiver is a legal document saying they are assuming the risk of using the equipment. We strongly advise that you require insurance waivers to protect you or your business from liability when renting out your indoor/outdoor inflatable equipment. Remember we cover all 50 states!
Bounce house insurance is in place for your protection and hopefully, you’ll never need to make a claim. However, if an accident does occur, your inflatable bounce house insurance company is there to protect you from liability. Whether someone gets hurt on a moon bounce or jump house inflatable or whether something malfunctions with your inflatable equipment, we’re available to serve you 24/7.
Should you need to make a claim with us, your special event insurance carrier, you need to report the incident to Zurich, our Underwriter, in one of three ways: For those customers who are AIG party participants in an accident policy, phone in your report or claim to: (800) 551-0824. In what kinds of situations might an inflatable bounce house insurance company refuse
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Party planners insurance applications are available online or you can make an application for your event planners insurance through the mail. We also have local general liability and property damage Insurance Agents available to help you with obtaining the best event liability insurance for your business.
Whether you’re in business to rent out your equipment for special events and occasions like weddings and birthday parties, or whether you own an amusement park, we make it easy and uncomplicated for you to apply. Just click on “Fun Pro Application” for the easy-to-follow instructions.
Once we receive your application, we will respond to you quickly to verify information and to give you a quote.
When you need event liability insurance for your rock climbing wall, your waterslides, your jump bounce house and other inflatables, our party planners insurance company is there to serve you.
We are very proud to tell you that our party rental insurance serves all 50 US states. Your business will be protected no matter where you are in the US against general liability and property damage when renting out your inflatables, rock climbing wall, waterslides, jump bounce house and other equipment for special events and occasions. Click on your state for local Insurance Agents and/or the events planners’ insurance companies closest to you.
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Our standard coverage offerings are:
We cover party equipment rentals, indoor party facilities, event planners, and entertainers with groups of less than 3 persons. These are offered on an annual
basis. Coverage for Halloween Houses/Agri-Amusement operations are offered on an annual or seasonal basis.
We currently do not cover:
There are four major differences between your current plan and the Fun Pro plan:
That depends. If you have higher receipts and lower inventory, the Fun Pro product is much lower in cost. If you have lower receipts and higher inventory, the pricing may be higher. However, as part of the merger, THOMCO is committed to making the transition as seamless as possible for you. Therefore, we will make every effort to keep your premium comparable to what it has been, even if it is lower than how we would normally rate your account. Bottom line: we want to welcome you as one of our many satisfied customers rather than to cause you sticker shock.
No one can predict the future. Rates are based on the performance of the book of business as a whole - (again, the comparison of the cost of losses to the actual premium collected) and your individual account history. The insurer will be reviewing the statistics regularly throughout the year. We are confident that our Underwriting team will maintain pricing in such a way that there are no exorbitant increases in the future. If you speak to some of our current customers, you will learn that we make every effort to keep our prices steady and - in some cases - we have lowered the rates.
Yes. If you use equipment only on a seasonal basis, it should be added for coverage on a year-long basis so that you have access whenever an opportunity arises. However, if you purchase a new piece, or decide to sell or discontinue use permanently, you should let your Underwriter or Agent know immediately. We add and remove equipment mid-term. Additional premium for adding equipment is charged and return premium for removing equipment is returned, based on a prorated calculation.
If you do not already have an inventory list, the first one you make for us will take some time and effort. However, most of our customers indicate that keeping an inventory list for insurance has helped them to organize their equipment and to figure out which pieces are newer and more popular and which ones might be better off retired. Having a managed inventory generally means having a safer, more profitable inventory.
The policy will cover only the pieces that are listed on the inventory list you provide. We will ask you to give us a serial or invoice number that will distinguish each piece from the rest. Any piece not specifically listed on the policy will not be covered. Therefore, if you use all of the pieces at different times throughout the year, you would need coverage on all of them.
Your insurance coverage is a business decision that you make. We recommend that you cover everything you rent for General Liability. Most states have enacted or will soon enact laws that require you to do so. However, we cover only what you list on your itemized Equipment List. Unless there are special circumstances, however, our Underwriters want to write an account that has at least 50% of the total inventory covered. It is always wise to speak to your Agent, Underwriter or attorney if you have concerns about this issue.
No. Rating is based on the number of party rooms and the activities, procedures and equipment at your facility, factors which are quite different from the risk factors involved with equipment rental. Based on loss experience, pricing for indoor facilities is higher than for equipment rentals.
Yes, of course. We write General Liability in all 50 states. Just be sure to mention all office locations on your Fun Pro application so that they will be indicated on your policy. If you have certain equipment at certain locations, we will ask that you tell us that also.
No problem. Your coverage is good in all states. If you move continuously throughout the year, however, check with your Agent or Underwriter as you may be considered more as a carnival business than a party rental operation and we would need to adjust our coverage accordingly.
We write the program through The Steadfast Company, which is the surplus lines company for Zurich Insurance - North American Division. Zurich in not only one of the largest insurers in the world but also has an A+ financial rating. Zurich is known for its financial strength and excellent services. Zurich makes long-term commitments to its programs, which means that you will not be faced with changing carriers every few years.
No. Your insurance policy is a contract between you and the insurance company. Once one of the parties (you) is no longer in the contract, it becomes null and void. Insurance contracts are not transferable.
At your next renewal, Fun Pro Underwriters will automatically become responsible for the service on your renewal policy and all policies thereafter. Until your renewal, CSI will handle any service inquiries and requests that you may have.
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Frequently Asked Questions:
Do you carry special events insurance that is affordable?
What type of party rental insurance do you offer if an accident occurs or equipment is damaged at a special event?
Do you underwrite inflatables insurance and bounce houses insurance policies?
What is the procedure for reporting a claim to a bounce house insurance company when an accident has occurred or when damage to inflatable equipment has been sustained?
What is the best way to apply for your party planners insurance?
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