Amusement Park Insurance Coverage Checklist
The coverages an amusement park business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for amusement, theme, and water parks. Priorities reflect typical exposure; confirm against rides and attendance.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (incl. Ride Operations) | Covers guest injuries on rides and attractions. | Core | |
| Umbrella / Excess Liability | Adds limits — a 2022 ride death led to a $310 million verdict. | Core | |
| Commercial Property & Business Income | Covers rides, buildings, and lost revenue when attractions close. | Core | |
| Equipment Breakdown | Covers ride machinery and control systems. | Prevalent | |
| Liquor Liability | Needed if alcohol is sold. | Situational | |
| Abuse & Molestation | Covers claims involving minors in the park. | Prevalent | |
| Workers' Compensation | Covers ride operators and seasonal staff. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is excess limits. A single ride failure can produce verdicts far beyond primary limits — the 2022 Orlando drop-tower death led to a $310 million award against the manufacturer after the owner settled. Parks should carry high umbrella limits, require manufacturers to insure and indemnify them, and never modify rides without approval.
Send us the checklist and we'll review your amusement park coverage line by line, then market it across multiple carriers that compete for your account.
Related: Amusement Park Insurance · Amusement Park Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an amusement park business need?
The core coverages for an amusement park business are General Liability (incl. Ride Operations), Umbrella / Excess Liability, Commercial Property & Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my amusement park coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.