IAAPA Insurance Solutions
Last Updated: October 12, 2026

This website (“Website”) is owned and operated by Fortress Affinity Management, LLC, doing business as IAAPA Insurance Solutions (“IAAPA Insurance Solutions,” “we,” “us,” or “our”). By visiting this Website and accessing any of the information, content, materials, resources, services, products, and/or tools we may provide or make available on or through this Website (“Resources”), you understand, accept, and agree to comply with the terms and conditions contained in these Website Terms of Use (“TOU”) and those contained in our Privacy Policy. Please refer to the Privacy section below for more information on our Privacy Policy. If you do not agree to these TOU or our Privacy Policy, then you are not authorized to access or use our Website or the Resources.

We reserve the right to change these TOU at any time and from time to time, with or without notice. You acknowledge and agree that it is your responsibility to review the TOU periodically to familiarize yourself with the then-current version of the TOU and any modifications thereto. Your continued use of this Website after such modifications have been made to the TOU will constitute your acknowledgment, consent, and agreement to comply with the then-current TOU as so modified.

About IAAPA Insurance Solutions

IAAPA Insurance Solutions is an insurance and risk management program endorsed by the International Association of Amusement Parks and Attractions (“IAAPA”) and available to U.S.-based IAAPA members. The program is operated by Fortress Affinity Management, LLC and delivered through Higginbotham. IAAPA Insurance Solutions is not an insurance company. Insurance coverage is placed through licensed insurance producers with admitted and non-admitted (surplus lines) insurance carriers, depending on the class of risk.

No Offer of Insurance

The Resources on this Website are provided for general informational purposes only. Nothing on this Website is an offer to sell, a solicitation to buy, or a binder of insurance, and nothing on this Website modifies the terms of any insurance policy. Descriptions of coverage on this Website are summaries only. All coverage is subject to underwriting review, eligibility requirements, and the terms, conditions, limitations, and exclusions of the policy actually issued. Not all coverages, products, or services are available in all states or to all applicants. Submitting a quote request or any other information through this Website does not bind coverage; coverage is in force only when confirmed in writing by us or by the issuing insurance carrier.

Content on this Website, including articles in our Resource Library, does not constitute legal, tax, accounting, safety, engineering, or other professional advice. You should consult qualified professionals about your specific situation.

Responsible Use and Conduct

By visiting this Website and/or accessing any of the Resources, you agree to access and use these Resources only for the purposes intended as permitted by (a) the terms of these TOU, and (b) applicable laws, rules, and regulations.

You understand and hereby agree that:

1. In order to access our Resources, you may be required to provide certain information about yourself (such as identification, contact details, etc.) as part of the registration or quote request process, or as part of your ability to use the Resources. You agree that any information you provide to us will always be maintained by you as accurate, correct, and up to date.
2. You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under any of your accounts with us.
3. You shall not access or attempt to access any of our Resources by any means other than those we provide on or through this Website, and any access or attempted access by any other means is strictly prohibited. In addition, you agree that you shall not directly or indirectly access or attempt to access any of our Resources through any automated or illegal means.
4. You shall not engage in any activity that disrupts or interferes in any way with our Resources, including the software, hardware, equipment, servers, networks, and systems we utilize in connection with the Resources.
5. You shall not copy, duplicate, reproduce, create derivative works of, sell, resell, trade, or distribute any of our Resources in any manner whatsoever without our express prior written consent in each instance.
6. You are solely responsible and liable for any and all consequences, losses, costs, expenses, liabilities, and/or damages that you may directly or indirectly incur or suffer by accessing or attempting to access this Website or any of our Resources, including those due to your breach of these TOU or any activities conducted by you of any illegal nature.
7. We may provide various open communication tools on or through this Website, such as blog comments, blog posts, public chat, forums, message boards, bulletin boards, newsgroups, product ratings and reviews, various social media services, etc. You understand and agree that we have the right but not the obligation, and generally we do not, pre-screen or monitor any of the information or content posted by users of these various communication tools, which means that if you choose to access or use any of these communication tools to submit any type of information or content to our Website, then you do so at your sole risk and liability, and it is your responsibility to use these tools in a legal, responsible, and ethical manner. By posting any information or content to this Website, or otherwise accessing or using any of the open communication tools on or through this Website, you agree that you will not upload, post, share, or otherwise distribute any information or content that:
a. is illegal, threatening, defamatory, abusive, harassing, pornographic, obscene, illicit, degrading, intimidating, fraudulent, deceptive, invasive, racist, or that contains any type of suggestive, inappropriate, or explicit language;
b. infringes, misappropriates, or otherwise violates any patent, copyright, trademark, trade secret, or any other intellectual or proprietary rights of any person or entity;
c. contains any unauthorized, unsolicited, or otherwise illegal advertising or promotion; or
d. impersonates any person or entity, including any of our employees, contractors, or representatives.
8. We have the right, at our sole and absolute discretion, to edit, modify, replace, remove, or delete any information or content from our Website and/or Resources that we conclude does not comply with these TOU, along with any information or content that we conclude is otherwise illegal, offensive, harmful, objectionable, inaccurate, or infringes, misappropriates, or otherwise violates any patents, copyrights, trademarks, trade secrets, or any other intellectual or proprietary rights of any person or entity. You acknowledge and agree that we are not responsible or liable in any manner for or in connection with any such editing, modification, replacement, removal, or deletion of any such information or content, or for any delay or failure in editing, modifying, replacing, removing, or deleting any such information or content. If you post any information or content that we choose to edit, modify, replace, remove, or delete, you hereby consent to such editing, modification, replacement, removal, or deletion, and you hereby consent and agree to waive any and all claims of any nature against us in connection with any such editing, modification, replacement, removal, or deletion.
9. We do not and shall not have, nor do we assume, any responsibility or liability for any information or content posted by you or any other users of our Website. With respect to any information or content posted by you to our Website, including that posted using any open communication tools on our Website, you hereby grant to us a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, non-exclusive license and right to access, use, copy, reproduce, modify, adapt, translate, create derivative works of, publish, publicly display, publicly perform, distribute, and otherwise exploit any and all such information and content in any manner or media as we see fit. This license and right refers and applies only to the information and content you post to our Website via open communication tools as described above, and does not refer to information that is provided by you to us as part of our registration or quote request process, or in connection with applying for or obtaining insurance coverage, all of which is subject to and covered by our Privacy Policy.
10. You hereby agree to defend, indemnify, and hold harmless IAAPA Insurance Solutions, its parent company and affiliates, the International Association of Amusement Parks and Attractions, and their respective directors, officers, managers, shareholders, employees, contractors, agents, suppliers, and licensors, from and against any and all claims, demands, suits, actions, proceedings, losses, costs, expenses, damages, awards, and liabilities, including reasonable attorneys’ fees, resulting from or in connection with (i) any violation of these TOU by you, (ii) any information or content posted by you to our Website, including that posted using any open communication tools on our Website, and/or (iii) your failure to fulfill any obligations relating to your account with us incurred by you or any other person or entity accessing or using your account with us. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under these TOU. In such event, you shall provide us with such cooperation as is reasonably requested by us.

Customer Representations

By use of this Website, you confirm that:

(a) You are at least 18 years of age and legally able to enter into these TOU, either personally or on behalf of a business or organization;
(b) You have the full authority to agree to and fulfill the obligations outlined herein;
(c) The offerings of this Website do not conflict with any other agreements or legal obligations you or your business may have; and
(d) Any purchase or payment you authorize represents a valid and legally binding commitment, enforceable in accordance with its terms.

You also warrant that your use of IAAPA Insurance Solutions services and this Website complies with all applicable laws, regulations, and legal standards at the local, state, and federal levels.

Cancellations and Refunds

Cancellation of, and any refund or return of premium for, insurance coverage obtained through IAAPA Insurance Solutions is governed by the terms and conditions of the policy issued by the insurance carrier and by applicable law. Some policies, including many surplus lines policies, are subject to minimum earned premium or are fully earned at inception. Any fees charged by IAAPA Insurance Solutions will be disclosed to you before you incur them. Questions about cancellations or refunds should be directed to our service team using the contact information below. Refund processing times may vary depending on the carrier and your financial institution.

Billing and Chargebacks

A chargeback refers to the reversal of a credit or debit card transaction. If you have a billing concern or refund request, we ask that you contact IAAPA Insurance Solutions directly before initiating a chargeback. Unauthorized or unnecessary chargebacks may be treated as fraudulent activity.

By agreeing to these TOU, you confirm that you will not dispute any valid charges made to your payment method. Should a chargeback occur for a payment you authorized, you acknowledge that IAAPA Insurance Solutions may recover the disputed amount through alternate means, which could include recharging your payment method or engaging a collection service.

Policy Documents

Once coverage is bound, you will receive the documents related to your coverage, which may include:

- Policy documents, declarations, and endorsements
- Invoices and receipts
- Certificates of insurance and proof of coverage
- Any additional materials or updates related to your coverage

These documents may be delivered by email, electronically, or through a secure client portal if one is made available to you. It is your responsibility to review these documents promptly, notify us of any errors, and download and retain copies for your records. If you need assistance obtaining documentation, IAAPA Insurance Solutions’ service team is available to help.

Links to Third-Party Websites

This Website may contain links to third-party websites, including the websites of IAAPA, Higginbotham, and insurance carriers. Such websites are maintained by other companies, individuals, or agencies, and links to these third-party websites are provided by us strictly as a convenience to users of our Website. These linked websites are not under our control, and we are not responsible for the accuracy of information on any such websites. A linked website may be subject to its own terms of use/service and/or privacy policy, which should be consulted by you when visiting such website. The inclusion of any link to a third-party website on this Website does not imply any endorsement by us of the linked third-party website. We do not monitor or review the content of any such third-party websites, and therefore any access to or use of any such linked third-party website is at your sole risk and liability. We may terminate any link(s) on our Website at any time without notice.

Privacy

Your privacy is very important to us and is subject to and covered by our Privacy Policy, which explains how we collect, use, manage, process, secure, and store your private information. Our Privacy Policy is incorporated into and is included under the scope of these TOU. Our Privacy Policy is located on our Website at https://iaapainsurancesolutions.com/privacy-policy.

Disclaimer of Warranties

By accessing or using our Website or any of the Resources, you understand and agree that this Website and any and all Resources we provide or make available on or through this Website are provided or made available strictly on an “AS IS” and “AS AVAILABLE” basis without any representations, warranties, guarantees, or conditions of any kind whatsoever. This means that we do not represent, warrant, or guarantee to you that:

1. the use of our Website or Resources will meet your needs or requirements;
2. the access to or use of our Website or Resources will be uninterrupted, timely, secure, or free from errors;
3. the information or content obtained by accessing or using our Website or Resources will be accurate or reliable, or that it will be non-infringing of any intellectual or proprietary rights of any person or entity; or
4. any defects or errors in the operation or functionality of our Website or any Resources we provide or make available will be repaired or corrected.

Furthermore, you understand and agree that:

1. any information or content downloaded or otherwise obtained by or through your access to or use of our Website or Resources is done solely at your own discretion, risk, and liability, and that you are solely responsible and liable for any damage or loss to your computer or other devices, software, or systems, and for any loss of data, that may result from such download of such information or content; and
2. no information, content, or advice, whether expressed, implied, oral, or written, obtained by you from us, our Website, or through any Resources shall create any representation, warranty, guarantee, or conditions of any kind.

THIS WEBSITE AND ANY AND ALL RESOURCES PROVIDED OR MADE AVAILABLE ON, BY, OR THROUGH THIS WEBSITE ARE PROVIDED OR MADE AVAILABLE STRICTLY ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY REPRESENTATIONS, WARRANTIES, GUARANTEES, OR CONDITIONS OF ANY KIND WHATSOEVER, AND IAAPA INSURANCE SOLUTIONS, ITS PARENT COMPANY AND AFFILIATES, THE INTERNATIONAL ASSOCIATION OF AMUSEMENT PARKS AND ATTRACTIONS, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, MANAGERS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, AGENTS, SUPPLIERS, AND LICENSORS EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES, GUARANTEES, AND CONDITIONS OF ANY KIND WHATSOEVER WITH RESPECT TO OR IN CONNECTION WITH OUR WEBSITE OR THE RESOURCES, WHETHER EXPRESS OR IMPLIED, ORAL OR WRITTEN, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED REPRESENTATIONS, WARRANTIES, GUARANTEES, OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

Limitation of Liability

ANY AND ALL LIABILITY OF IAAPA INSURANCE SOLUTIONS, ITS PARENT COMPANY AND AFFILIATES, THE INTERNATIONAL ASSOCIATION OF AMUSEMENT PARKS AND ATTRACTIONS, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, MANAGERS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, AGENTS, SUPPLIERS, AND LICENSORS ARISING FROM OR IN CONNECTION WITH THIS WEBSITE AND/OR ANY OF THE RESOURCES SHALL BE LIMITED IN ALL CASES TO DIRECT DAMAGES ONLY, WHICH IN THE AGGREGATE SHALL NOT EXCEED THE AMOUNT YOU PAID TO IAAPA INSURANCE SOLUTIONS, IF ANY, FOR USE OF THIS WEBSITE OR THE RESOURCES. THE FOREGOING DOES NOT LIMIT ANY OBLIGATION OF AN INSURANCE CARRIER UNDER AN INSURANCE POLICY ISSUED TO YOU. IAAPA INSURANCE SOLUTIONS, ITS PARENT COMPANY AND AFFILIATES, THE INTERNATIONAL ASSOCIATION OF AMUSEMENT PARKS AND ATTRACTIONS, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, MANAGERS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, AGENTS, SUPPLIERS, AND LICENSORS WILL NOT BE LIABLE FOR AND HEREBY EXPRESSLY DISCLAIM ANY AND ALL INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR EXEMPLARY LOSS OR DAMAGES WHICH MAY BE SUFFERED OR INCURRED BY YOU AS A RESULT OF YOUR ACCESS TO OR USE OF OUR WEBSITE AND/OR ANY OF OUR RESOURCES, OR AS A RESULT OF OR IN CONNECTION WITH ANY DATA LOSS OR CORRUPTION, TERMINATION OR CANCELLATION OR LOSS OF ACCESS, OR DOWNTIME OF OUR WEBSITE AND/OR THE RESOURCES, TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW.

Copyrights/Trademarks

All information, content, and materials provided or made available on or through our Website or the Resources, including but not limited to any and all text, graphics, website name, software, code, images, and logos, are the intellectual property of IAAPA Insurance Solutions or its parent company or affiliates, or their respective licensors, and are protected by applicable intellectual property laws, including those applicable to patent, copyright, trademark, and trade secret. The IAAPA name and logo are trademarks of the International Association of Amusement Parks and Attractions and are used with permission. Higginbotham and Day Two Services® are trademarks of their respective owner. All other trademarks are the property of their respective owners. Any copying, reproduction, distribution, display, or transmission of any information, content, or materials on this Website or through the Resources is strictly prohibited, unless expressly authorized in writing by IAAPA Insurance Solutions (or, for third-party marks, by the applicable owner) in each instance. All rights and licenses not expressly granted are reserved.

Copyright Infringement

IAAPA Insurance Solutions takes claims of copyright infringement seriously. We reserve the right to disable and/or terminate any access to or use of our Website or any Resources by users who we, in our sole discretion, determine are infringers or repeat infringers. We will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any Resources accessible on or through our Website infringe your copyright, you may request removal of such Resources (or access thereto) by submitting written notification to our copyright agent designated below. In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA”), your written notice of alleged copyright infringement must include substantially the following:

- your physical or electronic signature;
- identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on our Website, a representative list of such works;
- identification of the Resources you believe to be infringing in a sufficiently precise manner to allow us to identify and locate such Resources;
- adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address);
- a statement that you have a good faith belief that use of the copyrighted material on our Website is not authorized by the copyright owner, its agent, or the law;
- a statement that the information in your written notice is accurate; and
- a statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Our designated agent to receive DMCA notices is:

IAAPA Insurance Solutions
Attn: Copyright Notice Agent
219 Industrial Dr., Ridgeland, MS 39157
Phone: 888-989-1225
Email: [email protected]

NOTE: This contact information is for inquiries regarding potential copyright infringement only.

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA notice may not be effective. Please be aware that if you knowingly materially misrepresent that any Resources on our Website infringe copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.

Suspension/Termination of Access and Use

You acknowledge and agree that we may, at our sole discretion, suspend or terminate your access to all or any part of our Website and/or Resources with or without notice and for any reason, including, without limitation, your breach of these TOU or your engagement in any illegal activity. Any suspected illegal, fraudulent, or abusive activity shall be grounds for suspending or terminating your access to all or any part of our Website and/or Resources, and such activity may be referred to appropriate law enforcement authorities. Upon any such suspension or termination of your access to all or any part of our Website and/or Resources, your right to access or use our Website and the Resources we provide or make available will immediately cease, and we reserve the right to remove or delete any information or content that you may have provided to us or which may be on file with us, including any account or login information, subject to our legal and regulatory record-keeping obligations.

Governing Law

This Website is controlled by IAAPA Insurance Solutions from our offices located in the State of Mississippi, United States. By accessing our Website or any of the Resources, you agree that the laws of the State of Mississippi, and applicable federal laws of the United States, shall govern and apply to these TOU, without regard to or application of any conflict of laws rules or principles. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to any matters relating to or arising from these TOU or your access to or use of this Website, the Resources, or the purchase of any products or services made available on or through this Website or the Resources. Furthermore, any legal action or proceeding to enforce or interpret these TOU, or any matters relating to or arising from these TOU or your access to or use of this Website, the Resources, or the purchase of any products or services made available on or through this Website or the Resources, shall be brought by you strictly in the state or federal courts located in Madison County, State of Mississippi, United States, and you hereby irrevocably agree and attorn to personal jurisdiction of or by such courts, and waive any jurisdictional, venue, or inconvenient forum objections you may have to such courts. Disputes regarding an insurance policy are governed by the terms of that policy and applicable insurance law.

Our failure or delay to enforce any right(s) or provision(s) contained within these TOU shall not constitute or be deemed to be our waiver of such right(s) or provision(s), nor prevent us from enforcing such right(s) or provision(s) at any time thereafter.

U.S. Government Restricted Rights

If you are accessing or using the Resources on this Website on behalf of the U.S. Government, then the Resources are provided with “RESTRICTED RIGHTS.” Use, duplication, or disclosure of the Resources by the U.S. Government is subject to restrictions as set forth in FAR 52.227-14 and DFARS 252.227-7013 et seq. or their successors. Access to or use of the Resources by the U.S. Government constitutes acknowledgment of our proprietary rights in the Resources.

Contact Us

If you have any questions about these TOU, please contact us:

IAAPA Insurance Solutions
Phone: 888-989-1225
Email: [email protected]
Website: iaapainsurancesolutions.com