Commercial General Liability
The foundation liability policy, written on forms shaped to guest operations, special events, and high guest density rather than generic commercial general liability.
MANUFACTURERS, SUPPLIERS & CONSULTANTS
Products and completed operations, professional liability, and contract risk transfer for the companies that build the attractions industry.
What Makes This Risk Different
Manufacturers, suppliers, and consultants are IAAPA’s largest constituency — 2,755 members ranging from billion-dollar ride manufacturers to one-person consulting firms. What unites them is that everything they produce ends up in a public-access environment where guests of every age interact with it, and it stays there. A ride designed and sold in 2005 may still be running in 2035, and any injury across that entire operational life can generate a products liability claim against its manufacturer.
That long tail makes policy continuity across years as important as limits in any given year — a gap in coverage exposes every prior year’s products. A second, more immediate exposure is contractual. Park operators impose insurance requirements on every supplier and vendor entering their property, frequently $5 million to $25 million in general liability and $10 million or more in umbrella, with specific additional insured endorsements. Suppliers who cannot satisfy those requirements lose the business, and many carry less than their own contracts demand without knowing it.
COVERAGE FOR THIS CLASS
What We Write for Manufacturers, Suppliers & Consultants
Guest & Public Liability
Umbrella / Excess Liability
The layer that determines whether a catastrophic claim ends the business. Towers are built from the excess down to match the severity this industry faces.
International / Foreign Liability
For members working across borders, covering liability from foreign operations, installation, and product sales.
Workforce & People
Workers' Compensation
Built for the mix of seasonal, J-1, and full-time staff and the elevated class codes attractions carry, coordinated with return-to-work programs.
Employee Benefits
Full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside property and casualty placement.
Payroll & HR Support
Outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
Background Screening
Compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
Property, Equipment & Continuity
Cyber Liability
Protects ticketing, point-of-sale and payment systems, and guest data in the event of a data breach or cyber incident.
Commercial Property
Covers buildings, attractions, exhibits, and specialized assets, with valuations that reflect what they actually cost to rebuild or replace.
Inland Marine / Equipment Floater
Covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
Gives qualifying, well-run operators access to captive and alternative risk transfer structures.
Contractual Risk Transfer Advisory
Reviews certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Risk Management & Loss Control
Year-round risk management delivered through Higginbotham Day Two Services®, including safety review, compliance support, and incident response.
Claims Advocacy & Crisis Readiness
365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
Coverage Adequacy & Contract Audit
A structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
Simplified Onboarding
A single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
Dedicated Service Team
Direct access to a dedicated specialty team, the same people who place, service, and advocate for your account.
Exclusive Member Discounts
Member-only pricing and program incentives for IAAPA members across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
IAAPA Insurance Solutions is built on three core commitments—helping IAAPA members manage risk, protect their people and property, and strengthen their operations.
BUILT FOR THE INDUSTRY
Coverage forms, specialty market access, and risk support built for the attractions industry.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with attractions industry global standards and best practices, and available to U.S.-based IAAPA members.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you place classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Do Your Limits Meet Your Largest Customer’s Contract?
Request a coverage adequacy audit. Most members find a gap.
MANUFACTURERS, SUPPLIERS & CONSULTANTS
Products and completed operations, professional liability, and contract risk transfer for the companies that build the attractions industry.
What Makes This Risk Different
Manufacturers, suppliers, and consultants are IAAPA’s largest constituency — 2,755 members ranging from billion-dollar ride manufacturers to one-person consulting firms. What unites them is that everything they produce ends up in a public-access environment where guests of every age interact with it, and it stays there. A ride designed and sold in 2005 may still be running in 2035, and any injury across that entire operational life can generate a products liability claim against its manufacturer.
That long tail makes policy continuity across years as important as limits in any given year — a gap in coverage exposes every prior year’s products. A second, more immediate exposure is contractual. Park operators impose insurance requirements on every supplier and vendor entering their property, frequently $5 million to $25 million in general liability and $10 million or more in umbrella, with specific additional insured endorsements. Suppliers who cannot satisfy those requirements lose the business, and many carry less than their own contracts demand without knowing it.
COVERAGE FOR THIS CLASS
What We Write for Manufacturers, Suppliers & Consultants
Guest & Public Liability
Commercial General Liability
The foundation liability policy, written on forms shaped to guest operations, special events, and high guest density rather than generic commercial general liability.
Umbrella / Excess Liability
The layer that determines whether a catastrophic claim ends the business. Towers are built from the excess down to match the severity this industry faces.
International / Foreign Liability
For members working across borders, covering liability from foreign operations, installation, and product sales.
Workforce & People
Workers' Compensation
Built for the mix of seasonal, J-1, and full-time staff and the elevated class codes attractions carry, coordinated with return-to-work programs.
Employee Benefits
Full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside property and casualty placement.
Payroll & HR Support
Outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
Background Screening
Compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
Property, Equipment & Continuity
Cyber Liability
Protects ticketing, point-of-sale and payment systems, and guest data in the event of a data breach or cyber incident.
Commercial Property
Covers buildings, attractions, exhibits, and specialized assets, with valuations that reflect what they actually cost to rebuild or replace.
Inland Marine / Equipment Floater
Covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
Gives qualifying, well-run operators access to captive and alternative risk transfer structures.
Contractual Risk Transfer Advisory
Reviews certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Risk Management & Loss Control
Year-round risk management delivered through Higginbotham Day Two Services®, including safety review, compliance support, and incident response.
Claims Advocacy & Crisis Readiness
365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
Coverage Adequacy & Contract Audit
A structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
Simplified Onboarding
A single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
Dedicated Service Team
Direct access to a dedicated specialty team, the same people who place, service, and advocate for your account.
Exclusive Member Discounts
Member-only pricing and program incentives for IAAPA members across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
IAAPA Insurance Solutions is built on three core commitments—helping IAAPA members manage risk, protect their people and property, and strengthen their operations.
BUILT FOR THE INDUSTRY
Coverage forms, specialty market access, and risk support built for the attractions industry.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with attractions industry global standards and best practices, and available to U.S.-based IAAPA members.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you place classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Do Your Limits Meet Your Largest Customer’s Contract?
Request a coverage adequacy audit. Most members find a gap.
MANUFACTURERS, SUPPLIERS & CONSULTANTS
Products and completed operations, professional liability, and contract risk transfer for the companies that build the attractions industry.
What Makes This Risk Different
Manufacturers, suppliers, and consultants are IAAPA’s largest constituency — 2,755 members ranging from billion-dollar ride manufacturers to one-person consulting firms. What unites them is that everything they produce ends up in a public-access environment where guests of every age interact with it, and it stays there. A ride designed and sold in 2005 may still be running in 2035, and any injury across that entire operational life can generate a products liability claim against its manufacturer.
That long tail makes policy continuity across years as important as limits in any given year — a gap in coverage exposes every prior year’s products. A second, more immediate exposure is contractual. Park operators impose insurance requirements on every supplier and vendor entering their property, frequently $5 million to $25 million in general liability and $10 million or more in umbrella, with specific additional insured endorsements. Suppliers who cannot satisfy those requirements lose the business, and many carry less than their own contracts demand without knowing it.
COVERAGE FOR THIS CLASS
What We Write for Manufacturers, Suppliers & Consultants
Guest & Public Liability
Commercial General Liability
The foundation liability policy, written on forms shaped to guest operations, special events, and high guest density rather than generic commercial general liability.
Umbrella / Excess Liability
The layer that determines whether a catastrophic claim ends the business. Towers are built from the excess down to match the severity this industry faces.
International / Foreign Liability
For members working across borders, covering liability from foreign operations, installation, and product sales.
Workforce & People
Workers' Compensation
Built for the mix of seasonal, J-1, and full-time staff and the elevated class codes attractions carry, coordinated with return-to-work programs.
Employee Benefits
Full-spectrum benefits including group health, dental, vision, life, and pharmacy, coordinated alongside property and casualty placement.
Payroll & HR Support
Outsourced payroll, HR administration, and compliance support for operators without an in-house HR function.
Background Screening
Compliant screening for high-volume seasonal hiring, including the more rigorous screening carriers require for staff working with children or animals.
Property, Equipment & Continuity
Cyber Liability
Protects ticketing, point-of-sale and payment systems, and guest data in the event of a data breach or cyber incident.
Commercial Property
Covers buildings, attractions, exhibits, and specialized assets, with valuations that reflect what they actually cost to rebuild or replace.
Inland Marine / Equipment Floater
Covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
Risk Management & Member Services
Captive Insurance & Alternative Risk Transfer
Gives qualifying, well-run operators access to captive and alternative risk transfer structures.
Contractual Risk Transfer Advisory
Reviews certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Risk Management & Loss Control
Year-round risk management delivered through Higginbotham Day Two Services®, including safety review, compliance support, and incident response.
Claims Advocacy & Crisis Readiness
365-day claims advocacy plus pre-loss readiness, including written incident-response plans and pre-arranged crisis communications support.
Coverage Adequacy & Contract Audit
A structured review comparing carried limits against the contractual insurance requirements imposed by customers, landlords, and municipalities.
Simplified Onboarding
A single digital intake that replaces duplicate-application paperwork across the full coverage portfolio.
Dedicated Service Team
Direct access to a dedicated specialty team, the same people who place, service, and advocate for your account.
Exclusive Member Discounts
Member-only pricing and program incentives for IAAPA members across covered lines and program-related services.
OUR INSURANCE SOLUTIONS
Insurance Designed for the Global Attractions Industry
IAAPA Insurance Solutions is built on three core commitments—helping IAAPA members manage risk, protect their people and property, and strengthen their operations.
BUILT FOR THE INDUSTRY
Coverage forms, specialty market access, and risk support built for the attractions industry.
ENDORSED BY THE INDUSTRY
The insurance program your association built, aligned with attractions industry global standards and best practices, and available to U.S.-based IAAPA members.
BACKED BY HIGGINBOTHAM
Delivered through the 18th-largest broker in the United States, with 140+ offices and the specialty market relationships this industry requires.
FAQ
Frequently Asked Questions
What is IAAPA Insurance Solutions?
Who is it for?
Can you place classes other markets have declined?
Do I have to move all my insurance to the program?
Will my rates be lower?
Is this just one type of coverage?
What types of insurance are available?
Why go through the program instead of buying coverage on my own?
How does the program handle a serious incident?
Do you help with risk management and safety, or just placement?
Are there benefits beyond insurance coverage?
How does IAAPA benefit from this program?
I’m a supplier, not an operator. Is this for me?
How do I get started?
Still have questions? Whether it’s about coverage, market access, or how the program works for your specific operation, our team is ready to help.
Do Your Limits Meet Your Largest Customer’s Contract?
Request a coverage adequacy audit. Most members find a gap.