INSURANCE SOLUTIONS
INSURANCE SOLUTIONS
Coverage Written for Your Exposures
Coverage Written for Your Exposures
Insurance for IAAPA members covering guests, staff, animals, collections, rides, and products — built around the risks attractions actually carry, on the midway and long after installation.
Insurance for IAAPA members covering guests, staff, animals, collections, rides, and products — built around the risks attractions actually carry, on the midway and long after installation.
Delivering Measurable Impact
6,500+
IAAPA Member Organizations
110+
Countries Represented
140+
Higginbotham Offices Across the U.S.
1918
Serving the Industry Since
Delivering Measurable Impact
6,500+
IAAPA Member Organizations
110+
Countries Represented
140+
Higginbotham Offices Across the U.S.
1918
Serving the Industry Since
A PARTNER WHO KNOWS YOUR RISK
A PARTNER WHO KNOWS YOUR RISK
Specialist Coverage,
Fewer Surprises
Generic policies leave gaps with names: abuse and molestation, assault and battery, pollution, participant injury, exotic animal liability. IAAPA Insurance Solutions places attractions-focused coverage designed to close them.
Core Coverage
Accident Medical Coverage
First-party medical coverage for participant and guest injuries that resolves smaller claims outside the liability program.
Accident Medical Coverage
First-party medical coverage for participant and guest injuries that resolves smaller claims outside the liability program.
Active Assailant & Terrorism (TRIA)
Closes the gap TRIA and standard general liability leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
Active Assailant & Terrorism (TRIA)
Closes the gap TRIA and standard general liability leave open, responding on a named-peril basis to victim costs, business interruption, and crisis management.
Business Interruption
Protects revenue when a covered loss forces a closure or operational pause, built around this industry's seasonal revenue concentration.
Business Interruption
Protects revenue when a covered loss forces a closure or operational pause, built around this industry's seasonal revenue concentration.
Captive Insurance & Alternative Risk Transfer
Gives qualifying, well-run operators access to captive and alternative risk transfer structures.
Captive Insurance & Alternative Risk Transfer
Gives qualifying, well-run operators access to captive and alternative risk transfer structures.
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.
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.
Commercial Property
Covers buildings, attractions, exhibits, and specialized assets, with valuations that reflect what they actually cost to rebuild or replace.
Commercial Property
Covers buildings, attractions, exhibits, and specialized assets, with valuations that reflect what they actually cost to rebuild or replace.
Contractual Risk Transfer Advisory
Reviews certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Contractual Risk Transfer Advisory
Reviews certificates of insurance, additional insured endorsements, and indemnification wording so risk sits with the right party.
Crime / Employee Dishonesty
Protects high-volume cash operations at gates, concessions, and retail from employee theft.
Crime / Employee Dishonesty
Protects high-volume cash operations at gates, concessions, and retail from employee theft.
Cyber Liability
Protects ticketing, point-of-sale and payment systems, and guest data in the event of a data breach or cyber incident.
Cyber Liability
Protects ticketing, point-of-sale and payment systems, and guest data in the event of a data breach or cyber incident.
Directors & Officers Liability
Protection for volunteer boards and leadership, covering the decisions that generate claims: acquisitions and dispositions, employment, and financial management.
Directors & Officers Liability
Protection for volunteer boards and leadership, covering the decisions that generate claims: acquisitions and dispositions, employment, and financial management.
Employment Practices Liability (EPLI)
Addresses harassment, discrimination, and wage-and-hour claims, including the exposure created by seasonal and high-turnover workforces.
Employment Practices Liability (EPLI)
Addresses harassment, discrimination, and wage-and-hour claims, including the exposure created by seasonal and high-turnover workforces.
Fiduciary Liability
For institutions with retirement plans and endowment investment responsibilities that carry board fiduciary duty.
Fiduciary Liability
For institutions with retirement plans and endowment investment responsibilities that carry board fiduciary duty.
International / Foreign Liability
For members working across borders, covering liability from foreign operations, installation, and product sales.
International / Foreign Liability
For members working across borders, covering liability from foreign operations, installation, and product sales.
Participant Legal Liability
Covers injuries sustained during the activity itself, the exposure standard premises general liability does not reach.
Participant Legal Liability
Covers injuries sustained during the activity itself, the exposure standard premises general liability does not reach.
Pollution Liability
Covers chemical storage, handling, and accidental release, plus recreational water illness contamination, on exposures standard forms exclude.
Pollution Liability
Covers chemical storage, handling, and accidental release, plus recreational water illness contamination, on exposures standard forms exclude.
Products & Completed Operations Liability
Coverage for the long-tail exposure of attractions manufacturing, where a ride sold today can generate a claim decades later, with deliberate management of policy continuity across years.
Products & Completed Operations Liability
Coverage for the long-tail exposure of attractions manufacturing, where a ride sold today can generate a claim decades later, with deliberate management of policy continuity across years.
Professional Liability / E&O
Errors and omissions protection for design, engineering, inspection, consulting, and other professional services.
Professional Liability / E&O
Errors and omissions protection for design, engineering, inspection, consulting, and other professional services.
Sexual Abuse & Molestation (SAM)
Provides a separate limit with its own aggregate, so a SAM claim does not erode the general liability limit. Essential for any venue serving minors.
Sexual Abuse & Molestation (SAM)
Provides a separate limit with its own aggregate, so a SAM claim does not erode the general liability limit. Essential for any venue serving minors.
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.
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.
Volunteer Accident Coverage
Medical coverage for volunteer docents, education staff, and event volunteers who typically fall outside workers' compensation.
Volunteer Accident Coverage
Medical coverage for volunteer docents, education staff, and event volunteers who typically fall outside workers' compensation.
Waiver & Release Consulting
Guidance on drafting, administering, and retaining participant waivers that hold up jurisdiction by jurisdiction.
Waiver & Release Consulting
Guidance on drafting, administering, and retaining participant waivers that hold up jurisdiction by jurisdiction.
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.
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.
Specialty Coverage
Animal Bailee / Care, Custody & Control
Inland marine protection for animals on loan to or from other institutions, including international loans requiring specialized marine cargo coverage.
Animal Bailee / Care, Custody & Control
Inland marine protection for animals on loan to or from other institutions, including international loans requiring specialized marine cargo coverage.
Animal Mortality Insurance
Scheduled coverage for the financial loss of animals in a collection, written through Lloyd's and a small number of domestic specialty markets.
Animal Mortality Insurance
Scheduled coverage for the financial loss of animals in a collection, written through Lloyd's and a small number of domestic specialty markets.
Aquatic & Water Park Liability
Addresses drowning and near-drowning claims, lifeguard staffing and certification standards, and CDC Model Aquatic Health Code compliance.
Aquatic & Water Park Liability
Addresses drowning and near-drowning claims, lifeguard staffing and certification standards, and CDC Model Aquatic Health Code compliance.
Aviation Liability
For helicopter, balloon, or small-aircraft tour operations, a separate specialty market governed by FAA regulations.
Aviation Liability
For helicopter, balloon, or small-aircraft tour operations, a separate specialty market governed by FAA regulations.
Equipment Breakdown
Covers sudden and accidental breakdown of mechanical and electrical equipment essential to operations, including repair or replacement costs and resulting loss of income.
Equipment Breakdown
Covers sudden and accidental breakdown of mechanical and electrical equipment essential to operations, including repair or replacement costs and resulting loss of income.
Event Cancellation & Weather Contingency
Protects revenue and sunk costs when severe weather or public-health events force a closure or cancel a signature event.
Event Cancellation & Weather Contingency
Protects revenue and sunk costs when severe weather or public-health events force a closure or cancel a signature event.
Equine Liability
Specialty coverage for horseback riding and equestrian tour operations, excluded from most general liability forms.
Equine Liability
Specialty coverage for horseback riding and equestrian tour operations, excluded from most general liability forms.
Exotic Animal Liability
The defining and hardest-to-place coverage for zoos and aquariums. Fewer than a dozen U.S. carriers write it.
Exotic Animal Liability
The defining and hardest-to-place coverage for zoos and aquariums. Fewer than a dozen U.S. carriers write it.
Fine Art & Collections Insurance
All-risk, wall-to-wall coverage for permanent collections, traveling exhibitions, and objects on loan, written to appraised value.
Fine Art & Collections Insurance
All-risk, wall-to-wall coverage for permanent collections, traveling exhibitions, and objects on loan, written to appraised value.
Inland Marine / Equipment Floater
Covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
Inland Marine / Equipment Floater
Covers safety-critical equipment and products in transit, written against documented inspection and replacement cycles.
Liquor Liability
Covers venues serving alcohol, often better written as a separate policy than as a general liability endorsement.
Liquor Liability
Covers venues serving alcohol, often better written as a separate policy than as a general liability endorsement.
Ride & Attraction Liability
Covers liability arising from mechanical and non-mechanical rides and attractions. Underwriters evaluate adherence to global industry standards (ASTM, EN, ISO), engineering tolerances, and state inspection requirements.
Ride & Attraction Liability
Covers liability arising from mechanical and non-mechanical rides and attractions. Underwriters evaluate adherence to global industry standards (ASTM, EN, ISO), engineering tolerances, and state inspection requirements.
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.
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.
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.
Ready for Insurance That Understands Your Operation?
IAAPA Insurance Solutions was created on a simple principle: the attractions industry deserves an insurance partner who knows why a coaster, a wave pool, and a life-support system are not the same risk.
Ready for Insurance That Understands Your Operation?
IAAPA Insurance Solutions was created on a simple principle: the attractions industry deserves an insurance partner who knows why a coaster, a wave pool, and a life-support system are not the same risk.
Ready for Insurance That Understands Your Operation?
IAAPA Insurance Solutions was created on a simple principle: the attractions industry deserves an insurance partner who knows why a coaster, a wave pool, and a life-support system are not the same risk.