Inflatable & Bounce-House Rental Insurance Coverage Checklist
The coverages an inflatable & bounce-house rental 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 bounce house, water slide, and inflatable rental companies and indoor inflatable parks. Priorities reflect typical exposure for this class; confirm against your actual units and rentals.
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. | Participant Injury) Covers children and guests hurt on units — confirm inflatables are not excluded. | Core | |
| Inland Marine (Rental Equipment) | Covers units, blowers, and generators in transit and at customer sites. | Core | |
| Commercial Auto | Covers delivery trucks and trailers. | Core | |
| Workers' Compensation / Employer's Liability | Covers crews lifting heavy units and attendants. | Core | |
| Additional Insured for Renters | Lets schools, churches, and event hosts be added to your policy. | Prevalent | |
| Abuse & Molestation | Covers allegations involving attendants and children. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for serious or multiple-child injuries. | Prevalent | |
| Business Property / Warehouse | Covers stored inventory, cleaning equipment, and the warehouse. | Situational | |
| Accident / Participant Medical | Pays small medical bills regardless of fault. | Situational | |
| Product Liability (Units Sold) | Needed if you sell or re-rent units to other companies. | Situational |
The coverage gap most often missed
The gap most often missed by inflatable rental companies is wind. A unit that lifts off can injure several children at once — wind lifted a bouncy castle in Australia in 2021 and five children died — and some policies limit coverage when units are not anchored or are left without an attendant. Confirm your policy covers drop-off rentals and water slides, keep anchoring photos for every setup, and carry an umbrella sized for a multi-child event.
Send us the checklist and we'll review your inflatable & bounce-house rental coverage line by line, then market it across multiple carriers that compete for your account.
Related: Inflatable & Bounce-House Rental Insurance · Inflatable & Bounce-House Rental Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an inflatable & bounce-house rental business need?
The core coverages for an inflatable & bounce-house rental business are General Liability (incl., Inland Marine (Rental Equipment), Commercial Auto, Workers' Compensation / Employer's Liability. 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 inflatable & bounce-house rental 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.