Trampoline Park Insurance: Why It Is Hard to Place, What Underwriters Require, and What It Costs

$20,000 to $75,000 a year is the typical all-in premium for a small single-site trampoline park; operators with six or more sites pay $150,000 to $400,000 or more. Most standard carriers decline the class, so trampoline park insurance is placed through specialty programmes and excess and surplus lines (E&S) markets that quote once you prove ASTM F2970 compliance, court monitor ratios, and a digital waiver system.

We place trampoline park insurance in all 50 states. Below: what underwriters ask for, what it costs by park size, and where the programme usually breaks.

$1M per claim and $3M aggregate is the limit most telehealth platforms require, and a nurse practitioner seeing patients by video full time pays about $1,200 to $3,500 a year for it. Telemedicine malpractice insurance is professional liability for diagnosis, treatment, and prescribing over video, phone, or chat. You buy it two ways: an endorsement on your existing malpractice policy, or a standalone telehealth policy. Which fits depends on where your patients sit.

We place malpractice coverage for telehealth clinicians and telehealth companies in all 50 states. Most people who land here suspect their policy stops at the state line, or need a platform certificate by Friday.

Why trampoline park insurance is hard to get

Three facts drive the underwriting: injuries are frequent, severe, and mostly to children.

The Consumer Product Safety Commission estimates roughly 100,000 trampoline-related emergency-department visits a year in the United States, per CPSC NEISS data (verify reporting year at publish). A 2024 study in Pediatrics reported that trampoline park injuries skew toward fractures and dislocations and carry a higher hospitalisation rate than backyard injuries (verify citation at publish). Parks put jumpers of different weights on connected beds and add foam pits and dodgeball. Fractures are expensive claims.

Most guests are minors, so the parent’s waiver is contested, and in many states it fails in court. Foam pit claims (spinal injuries from head-first entries) and dodgeball claims (adults colliding with children) carry the largest reserves; one spinal injury can consume a $1M per occurrence limit.

Several admitted insurers that wrote the class during the 2012 to 2016 park boom non-renewed or added trampoline exclusions. What remains is a small group of specialty programmes and E&S carriers, each with a qualification list. Where courts sit inside a larger venue, the amusement park insurance programme structure applies, with the courts rated separately.

What underwriters require before they will quote a trampoline park

A trampoline park application reads like a safety audit. Each item is a rating factor, and several are hard stops: no document, no quote.

The monitor ratio, waiver retention, and inspection cadence come from IATP’s published operating standards; quote the current version in your application. In our placements, the parks that reach a preferred-programme quote have all nine items in writing before they apply.

Not sure you qualify? Send us your attraction list and latest inspection report and we will tell you what underwriters will say before you apply.

Trampoline park insurance cost by park profile

These ranges are programme rate indications for parks that meet the checklist above. Parks that fall short pay more, and the fix is usually operational rather than financial.

Total programme includes general liability, umbrella, property, workers compensation, and the smaller lines. Participant accident is separate because some operators skip it; we recommend it for every park.

A typical 25,000 sq ft park with two foam pits and $1.4M in revenue lands mid-band with a clean inspection report, a 1:32 staffing plan, and clean loss runs. Add a $75,000 reserved claim and drop video retention, and it moves to the top of the band or out of the programme.

Rating factors that move a trampoline park premium

Courts are rated first. Foam pits, ninja courses, climbing walls, and zip lines are added on top, and the foam pit costs the most. GL is then rated on receipts or jumper counts. Two or more claims reserved above $50,000 in three years usually means a move to E&S. The state matters too: waiver law and litigation climate set the rate as much as the park does.

The coverages in a trampoline park insurance programme and typical limits

A trampoline park programme is eight to ten policies.

Participant accident medical pays a guest’s bills with no argument about fault. A family whose $4,000 emergency-room bill is paid within weeks rarely calls a lawyer, which is why GL programmes credit it. It is the cheapest line in the programme and the one we see skipped most often.

Property and business income needs scheduled attraction values, because courts and air-bag systems are custom-installed, and an income limit on the property insurance form long enough for a four-to-six-month court rebuild.

Assault and battery and sexual abuse sublimits run lower than operators expect. Many forms cap assault and battery coverage at $100,000, thin for a venue running adult dodgeball nights and teenage birthday parties in the same weekend. The same applies to the sexual abuse and molestation sublimit for any park with camps or lock-ins. Get each sublimit in writing and buy it up to $1M.

Workers compensation for monitors is rated as amusement operation, a high-rate class; documented training keeps the workers compensation premium in line. Where events serve alcohol, liquor liability insurance is a separate policy or endorsement. Where waivers live online, cyber liability insurance funds the breach response for a database of minors’ names, birthdates, and parents’ signatures.

Trampoline park waivers, minors, and why the waiver is not a substitute for insurance

Waiver enforceability is decided state by state. In most states, a competent adult who signs a clear pre-injury release of ordinary negligence claims is held to it; no state enforces a release of gross negligence, and a handful refuse pre-injury releases altogether. The adult waiver defends the sprained-ankle claim. The claim alleging a missing pad goes to the GL policy.

Minors cannot sign a binding contract, so the question is whether a parent can waive the child’s claim in advance. A minority of states enforce parental pre-injury waivers; most refuse or have not ruled (verify the current state list at publish). For a park whose guests are 60% to 80% under 18, most waivers on file will not bar the most likely claims.

Each layer has a job. The waiver supports a defence and lowers settlement value. The accident policy removes the family’s reason to sue. The GL policy pays the defence and the judgment. Underwriters require the waiver system because it proves operational control, not because it replaces the policy.

Family entertainment center insurance and indoor playground insurance

A family entertainment center is underwritten the same way: each attraction is rated separately and the venue is priced on the highest-severity one. An FEC with arcade, laser tag, soft play, and a trampoline zone is a trampoline park with extras; remove the trampoline zone and it drops into a cheaper class.

• Arcade, mini golf, bowling, and laser tag are general amusement, written by admitted carriers at a fraction of the trampoline rate.
• Soft play and indoor playgrounds for children under 12 sit in between: high frequency, low severity. Indoor playground insurance for a 5,000 to 15,000 sq ft site typically runs $6,000 to $15,000 a year for GL and property, plus $1,500 to $4,000 for participant accident.
• Ninja courses and climbing walls rate closer to trampoline courts because falls from height drive severity. Auto-belays and padded landing zones earn credits.

An FEC that adds a trampoline zone inherits the trampoline checklist for the whole venue, so price the insurance before ordering the courts. Venues with no trampolines fit the broader entertainment insurance programme.

Trampoline park landlord and franchise insurance requirements

A typical lease insurance exhibit we review requires $1M per occurrence general liability, names the landlord and property manager as additional insured on a primary and non-contributory basis, requires a waiver of subrogation, and asks for 30 days’ notice of cancellation. Some landlords ask for $2M per occurrence or a $5M umbrella once they learn what the tenant does. Property coverage on tenant improvements, most of a park’s value, is the tenant’s job.

Franchisors set higher minimums: $2M/$4M GL, a $5M umbrella, participant accident, and the franchisor as additional insured. Most also offer a franchise programme with one carrier. It buys the franchisor’s scale; it also pools your park with every franchisee’s claims, so a bad year across the system raises your renewal. Get the franchise quote and one independent quote on the same specifications and compare sublimits, deductibles, and price. We run that comparison on request, and we tell you which one wins.

How to get trampoline park insurance from Alliance Risk

E&S placements in this class take 10 to 15 business days from complete submission to bindable quote. Alliance Risk targets ten and tells you on day one if the risk will not place. Most operators who contact us have already been declined by one or two standard carriers; that is normal for the class and has no bearing on the E&S quote. Have these ready:

• Square footage, with court area separated out
• Full attraction list, including every pit, court, and course
• Attendance and revenue, actual or projected
• Waiver system name and a sample waiver
• Latest ASTM F2970 inspection report and installation certificate
• Five years of loss runs, or a no-loss letter
• Staffing plan with monitor ratios and training hours
• Lease insurance exhibit and any franchise agreement

Pre-opening parks are quoted and bound on projected attendance, provided the inspection report is complete.

Telemedicine malpractice insurance requirements for a quote: what to have ready

• Every active licence by state, plus compact privileges or telehealth registrations.
• NPI, DEA, and state controlled-substance registrations.
• Hours per week, specialties, and patient population.
• Platform contracts, or at least the insurance clause.
• Five-year claims and board history, plus your current declarations page if you hold one.

With that packet, standard-market quotes take three to five business days. Controlled-substance prescribing, prior board actions, or more than ten states means specialty markets and seven to ten.

Frequently asked questions

A small single-site park of 10,000 to 20,000 sq ft pays $40,000 to $80,000 a year for the full programme; a large single site pays $100,000 to $300,000; operators with six or more sites pay $3500,000 to $1,000,000 or more. General liability is the largest line.

Standard carriers exclude trampoline parks because injury severity is high, most guests are minors whose waivers may not hold, and one spinal injury can exhaust a $1M limit. Several admitted carriers left the class after 2016. Parks that get insured are written by specialty programmes and E&S carriers that require proof of safety practice.

ASTM F2970 is the standard practice for the design, manufacture, installation, operation, maintenance, inspection, and major modification of trampoline courts. Underwriters require a third-party inspection report against the current edition because it is the only widely accepted proof that courts, pads, and pits meet a published standard.

Nearly every programme requires or credits it. Participant accident pays an injured jumper’s medical bills, usually $5,000 to $25,000 per injury, with no proof of fault, which removes the family’s financial reason to sue. It costs a fraction of the GL premium and cuts the claims that become lawsuits.

Partly. A clear adult waiver bars most ordinary negligence claims in most states, but no waiver bars gross negligence, and only a minority of states enforce a parent’s waiver of a minor’s claim. Because most guests are minors, the waiver is a defence tool and a settlement lever, not a replacement for liability coverage.

Yes. Underwriters quote pre-opening parks on projected attendance and revenue, provided you supply the ASTM F2970 inspection report, the installation certificate, the waiver system, and a staffing plan. The policy is bound before opening day and the premium is audited against actual receipts at renewal.

The commonly cited operating standard is one court monitor for every 32 jumpers on open courts, tighter ratios on dodgeball courts, and a dedicated monitor at every pit. Underwriters ask for the written staffing plan and check it against the inspection report and the incident log.

Yes, provided the pit is disclosed on the application and inspected under ASTM F2970. Foam pits are the highest-severity attraction in the class because of head-first entries, and some programmes sublimit or surcharge them. An undisclosed pit, or one added after binding without notice, gives the carrier grounds to deny.

Keep them through the state’s statute of limitations for personal injury plus, for minors, the years until the child reaches majority. In some states that means holding a minor’s waiver for close to 20 years. Digital waiver systems handle this automatically; paper systems rarely do.

$5M is the standard umbrella for a single site and $10M or more for multi-site operators; landlords and franchisors sometimes require $5M in the lease or franchise agreement. Spinal injury and paralysis claims are the reason: verdicts in the $5M to $10M range happen, and a $2M GL limit will not cover them.

Get trampoline park insurance from Alliance Risk

Trampoline park insurance is a programme, not a product, and programmes fail at predictable points: the assault and battery sublimit that turns out to be $100,000 after a party-room fight, the umbrella that does not follow form over the participant accident policy, and the property schedule that never listed the courts, so a fire is paid on building value.

Coverage is half of it. Underwriters price the operational practice: the monitor ratio you can prove from a schedule, the inspection log signed every morning, the video you can produce for a claim filed eleven months after the visit, and the waiver record with a parent’s signature and a photo ID. The parks we place that keep their carrier through a hard market share those four habits, and they pay less every year for it.

We place trampoline parks in all 50 states, compare the franchise programme against independent markets on the same specifications, negotiate sublimits up, and tell you if your incumbent is fine. Some incumbents are. If your policy is correctly structured and priced within the ranges on this page, we say so.

Send us your square footage, attraction list, latest ASTM F2970 inspection report, and loss runs, and tell us whether the park is open or pre-opening. We come back with what underwriters will say, and a quote if it is worth one. Get a trampoline park quote.