Escape Room Insurance Coverage Checklist
The coverages an escape room 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 escape rooms. Priorities reflect typical exposure; confirm against locked rooms and effects.
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 |
|---|---|---|---|
| Commercial General Liability | Covers guest and participant injuries — confirm the activity isn't excluded. | Core | |
| Umbrella / Excess Liability | Adds limits above primary coverage. | Prevalent | |
| Commercial Property & Business Income | Covers the facility and lost income after a loss. | Core | |
| Workers' Compensation | Required in most states for employees. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is locking guests in. In 2019, five teenagers died locked in an escape room in Poland when a fire broke out next door and there was no emergency exit. U.S. fire codes require free egress from assembly spaces. Venues should make sure every room opens without a key at all times, have locks release on alarm or power loss, get fire-marshal approval, and carry umbrella limits.
Send us the checklist and we'll review your escape room coverage line by line, then market it across multiple carriers that compete for your account.
Related: Escape Room Insurance · Escape Room Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an escape room business need?
The core coverages for an escape room business are Commercial General 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 escape room 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.