Adventure & Entertainment Insurance
Guardian Insurance Agency
Bring the fun. We’ll guard the risk.
Zip lines, ropes courses, rafting, axe throwing, climbing walls, tramp parks, theme rides every activity has moving parts: people, gear, weather, and contracts. A tailored adventure & entertainment insurance program protects participants, staff, equipment, property, and income so one accident or storm doesn’t shut the gates.
What coverage does an adventure business need?
Participant & Program Protection
- Participant Accident (medical payments): Secondary medical benefits for injuries during activities, camps, or classes.
- Participant Legal Liability (PLL): Helps defend and settle claims alleging participant injury due to your operations, instruction, or supervision.
- Abuse/Molestation coverage: Critical where minors are present; requires prevention protocols (background checks, training, reporting).
Operations & Premises
- General Liability (GL): Bodily injury / property damage to guests, spectators, and third parties.
- Umbrella/Excess Liability: Higher limits for catastrophic events or venue/landowner requirements.
- Event Liability: If you host off‑site events; venues often require Additional Insured, Primary & Non‑Contributory, and Waiver of Subrogation wording on COIs.
Equipment & Property
- Commercial Property: Buildings, structures, fixtures, signage, concessions, and tenant improvements.
- Inland Marine / Equipment Floater: Mobile and specialized gear (harnesses, helmets, ATVs, inflatables, rental fleets, portable obstacles).
- Rented-to-Others coverage: Protects your gear while in a participant’s possession (with proper contracts/waivers).
- Equipment Breakdown: Mechanical/electrical failure of pumps, compressors, lifts, zip lines, refrigeration.
Weather & Downtime
- Business Income & Extra Expense: Replace lost revenue and fund temporary fixes when a covered physical loss (e.g., wind, fire) shuts you down.
- Adverse Weather / Non‑appearance endorsements: Useful for ticketed events and live shows (availability varies).
- Flood / Earthquake / Named Storm: Often excluded on standard property—write separate or add by endorsement.
Vehicles & Transport
- Commercial Auto: Owned vehicles for transport or maintenance.
- Hired & Non‑Owned Auto (HNOA): Staff using personal or rented vehicles on business.
Workforce & Data
- Workers Compensation: Employee injuries (including instructors and marshals).
- Employment Practices Liability (EPLI): Harassment, discrimination, wrongful termination claims.
- Cyber Liability: Online ticketing, waivers, and participant data (privacy, ransomware, regulatory response).
- Crime/Social Engineering: Protection against fund diversion and payment fraud.
If you rent out equipment (ATVs, kayaks, bikes, boards)
- Use Inland Marine with rented‑to‑others and borrowed equipment endorsements.
- Require written waivers, ID checks, and pre/post‑rental condition reports.
- Offer a damage waiver option; align terms with your insurance form.
Businesses that benefit from this program
- Adventure parks • Zip lines • Ropes & climbing gyms • Amusement/theme parks • Family entertainment centers • Water parks • Rafting/outfitters • Bike/ATV rentals • Trampoline parks • Axe throwing • Outdoor education & camps • Obstacle race events
What affects price
- Activity mix & height/speed/water exposure.
- Participant volume & supervision ratios.
- Equipment type, age, inspection regime, and certifications.
- Claims history & documented safety protocols.
- Property location & CAT exposure (wind/flood/wildfire).
- Selected limits, deductibles, and COI wording required by venues/landowners.
Practical risk controls (often earn credits)
- Waivers & assumption of risk: Clear, signed, stored; age‑appropriate for minors with guardian consent.
- Training & certification: Instructor credentials, drills, emergency action plans; radio/comm checks.
- Inspections: Daily pre‑opening checklists; third‑party annual inspections for courses/rigging/lifts.
- PPE & fit: Helmets, harnesses, life jackets, gloves fit checks documented.
- Weather protocols: Wind/water/lightning thresholds; shutdown and re‑open procedures.
- Crowd & queue safety: Barriers, floor markings, load/unload supervision.
- Incident documentation: Witness statements, photos, timelines; vendor COIs on file.
The Guardian way
We audit your activities, waivers, equipment schedules, properties, and contracts, then assemble a clean stack GL & Umbrella, Participant Accident/PLL, Property & Inland Marine, Equipment Breakdown, Business Income, Auto/HNOA, Workers’ Comp/EPLI, Cyber & Crime with the COIs your venue, landowner, or municipality requires. Fast issuance. No gaps.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705