Trampoline Park Insurance

Protecting parks, staff, and jumpers

Indoor trampoline and adventure parks pack connected trampoline courts, foam pits, dodgeball, ninja courses, climbing walls, and more into one space, with a clientele that skews heavily to children. Participants are launched into the air and land at speed, densely, which drives both the frequency and the severity of injury far above a conventional fitness facility — and makes this one of the hardest recreation classes to insure, written almost entirely in the excess-and-surplus market. A park needs coverage built around participant injury, confirmed to include the jumpers, and sized to a catastrophic tail. This is a specialized corner of fitness and recreation insurance built for how trampoline parks actually get sued.

Properly structured coverage protects the park, its staff, and its jumpers.

The Trampoline Park's Signature Exposures

The signature is high injury frequency and high severity together, which is why the class runs high loss ratios. Fractures and dislocations dominate — a large share lower-extremity — and spinal and neck injuries, though a smaller fraction, produce the catastrophic, permanent-injury claims that drive loss dollars. Foam-pit and airbag landings cause spinal and long-bone fractures, double-bounces amplify one jumper's landing into another's and cause leg fractures in smaller jumpers, and collisions and failed flips add to the toll. Children are the core clientele, which raises severity and undermines waiver defenses, and the class has a documented litigation history and periods when carriers exited entirely. As with climbing, standard sports general-liability forms exclude injury to participants, so affirmative participant coverage and high excess limits are essential.

Key Risks in Trampoline Park Operations

Trampoline parks face exposure related to:

Fractures and dislocations across courts and attractions

Spinal and neck injuries from flips and awkward landings

Foam-pit and airbag landings onto the floor through insufficient foam

Double-bounce leg fractures, especially in children

Collisions between jumpers on connected courts

Falls from ninja obstacles, warped walls, and platforms

Abuse exposure from camps, parties, and lock-ins involving minors

High-frequency, high-severity participant injury — and whether the policy covers the jumpers — is what most defines the park.

Core Coverages for Trampoline Parks

A properly built trampoline-park program typically includes:

General Liability with Participant Coverage — Covers third-party injury and, critically, injury to the jumpers themselves, since base sports forms carry an athletic-participants exclusion that would otherwise cover only spectators — the most critical item in the class.

Commercial Property & Attractions — Covers the building and the trampoline beds, springs, pads, foam, airbags, and obstacle structures.

Equipment Breakdown — Covers mechanical or electrical failure of powered attractions and building systems.

Abuse & Molestation Liability — Defends allegations from the heavy minor exposure of camps, parties, and lock-ins.

Workers' Compensation — Provides legally required coverage for court monitors and staff.

Participant Accident / Medical — Pays no-fault medical for injured jumpers and helps blunt litigation.

Umbrella / Excess Liability — Adds the high limits the catastrophic spinal and neurologic tail demands, often landlord-required.

Employment Practices & Product Liability — Address a young workforce and retail or resale exposure.

Cyber Coverage — Addresses waiver and payment-data exposure.

What's Commonly Overlooked

Trampoline park programs are most often weakened by:

Participant injury excluded by the athletic-participants exclusion, leaving only spectators covered

Excess limits too low for a paralysis or brain-injury claim

Not recognizing the class must be placed in the excess-and-surplus market

Weak waiver processes, which can double the premium or disqualify a park

No documented safety-standard compliance and inspection logs

The gaps that hurt most are excluded participant coverage and inadequate excess limits.

Real-World Claim Examples

A child suffers a leg fracture from a double-bounce on a connected court

A jumper attempts a flip, lands on the head or neck, and suffers a spinal injury

A jumper lands through a foam pit onto the hard floor

A collision between jumpers causes a concussion or fractures

A fall from a ninja obstacle or platform lands on a court edge

Any one of these can be severe, and a single head or spine claim can make renewal difficult for years.

Regulatory & Safety Context

The governing safety standard is the ASTM practice for trampoline courts, developed by the amusement-rides committee and revised repeatedly, and documented compliance is effectively an insurance prerequisite, alongside membership in the industry trade association that many underwriters expect. Roughly half of states regulate trampoline courts as amusement rides requiring annual inspection and permits, building and fire codes apply as assembly occupancy, and parent-signed pre-injury waivers for minors are unenforceable in many states — especially damaging here because most participants are children. The ADA applies, and trained court monitors, supervision ratios, and enforcement of age and weight restrictions are expected.

Why Proper Placement Matters

Underwriters weigh the attraction mix, the number of trampoline courts, participant volume measured in jumper-hours, monitor staffing and training, documented safety-standard compliance and inspection logs, trade-association membership, waiver quality and execution, facility age and maintenance, and three years of loss runs — with weak waiver processes able to double the premium or disqualify a park. The class is predominantly excess-and-surplus, standard carriers have largely exited, and the pivotal levers are affirmative participant liability and high excess limits. Placing the account with the right specialty markets, and securing those two, is what makes coverage attainable and complete.

Our Approach

At Cory Washington & Co., we insure trampoline parks with the excess-and-surplus and specialty markets that actually write the class. We confirm participant injury is covered rather than excluded, size the umbrella to the catastrophic spinal tail, and coordinate property and attractions, equipment breakdown, abuse, participant accident, and workers' compensation into one program — helping you present safety-standard compliance and waiver processes the way underwriters demand. We also insure climbing gyms, gyms and fitness studios, and youth camps.

A mostly-minor attraction with a catastrophic tail is among the hardest classes to place — we place it, and we make sure the jumpers are covered.

All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.

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