Rage Room & Smash Room Insurance Coverage Checklist
The coverages a rage room & smash 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 rage rooms, smash rooms, and splatter rooms. Priorities reflect typical exposure for this class; confirm against your actual activities and items.
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 (Participant Coverage) | Covers customer cuts and eye injuries — confirm participants are not excluded. | Core | |
| Workers' Compensation | Covers staff cleaning glass and handling debris every day. | Core | |
| Business Property / BOP | Covers build-out, tools, cameras, and smash inventory. | Core | |
| Liquor Liability | Covers alcohol served or allowed on site — general liability often excludes it. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for a serious eye or hand injury. | Prevalent | |
| Pollution Liability | Covers mercury, lead, and battery residue from smashed electronics. | Situational | |
| Commercial Auto | Covers vehicles hauling debris and items. | Situational | |
| Business Income | Covers lost revenue after a fire or closure. | Situational |
The coverage gap most often missed
The gap most often missed by rage rooms is a participant or athletic-activity exclusion. Many general liability policies written for retail or entertainment exclude injuries to people taking part in an activity, which is every customer in a rage room. Waivers often do not hold up for minors. Confirm your policy covers participants, and add liquor liability if customers drink before or during sessions.
Send us the checklist and we'll review your rage room & smash room coverage line by line, then market it across multiple carriers that compete for your account.
Related: Rage Room & Smash Room Insurance · Rage Room & Smash Room Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a rage room & smash room business need?
The core coverages for a rage room & smash room business are General Liability (Participant Coverage), Workers' Compensation, Business Property / BOP. 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 rage room & smash 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.