{"id":592,"date":"2026-10-23T10:58:31","date_gmt":"2026-10-23T02:58:31","guid":{"rendered":"http:\/\/www.martinstreeservice.com\/blog\/?p=592"},"modified":"2026-10-23T10:58:31","modified_gmt":"2026-10-23T02:58:31","slug":"what-kind-of-insurance-do-trampoline-parks-have-4090-741c9a","status":"publish","type":"post","link":"http:\/\/www.martinstreeservice.com\/blog\/2026\/10\/23\/what-kind-of-insurance-do-trampoline-parks-have-4090-741c9a\/","title":{"rendered":"What kind of insurance do trampoline parks have?"},"content":{"rendered":"

Hey everyone! Let\u2019s cut to the chase \u2013 if you own or run a trampoline park, you\u2019re probably not sitting around daydreaming about insurance. But as someone who\u2019s been supplying trampoline park equipment for over 8 years now, I can tell you this: skipping the right insurance is like showing up to a dodgeball game without a helmet. It\u2019s not if something goes wrong, it\u2019s when. And more often than not, the parks that mess up their insurance end up closing their doors way before their time. Trampoline Park<\/a><\/p>\n

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First off, let\u2019s get this straight: not all insurance for trampoline parks is the same. I\u2019ve had clients come to me after a bad incident, panicking because their \u201cbasic business insurance\u201d didn\u2019t cover the guy who sprained his ankle doing a backflip on the foam pit. Or worse, the time a piece of equipment broke and took out a section of the wall \u2013 their old policy was so vague, the insurer wrote it off as \u201cnormal wear and tear.\u201d That\u2019s why today, I\u2019m breaking down exactly what kind of coverage your park actually needs, and why as a supplier, we don\u2019t just hand you equipment and dip \u2013 we make sure you\u2019re set up with the right protection too.<\/p>\n

Let\u2019s start with the big one: general liability insurance. This is the baseline, right? But wait, don\u2019t book the cheapest 1M dollar policy you find online. Trampoline parks have unique risks that regular retail or gym insurance doesn\u2019t account for. I once had a kid slip on a loose mat and hit his head on a nearby pole. The parent sued for $75k, and the cheap general liability policy only covered $50k \u2013 out of pocket costs for the owner? $25k, plus legal fees. Ouch. A proper general liability policy for a park should cover things like slip-and-fall injuries, minor equipment-related accidents, and even advertising injuries (like if someone claims your social media post made them think they could do a flip and messed up). Pro tip: make sure it has \u201cproducts-completed operations\u201d coverage \u2013 that protects you after you\u2019ve installed our equipment, so if a mat we supplied has a defect, you\u2019re covered (and honestly, we stand behind our gear, but it\u2019s nice to have that backup).<\/p>\n

Next up: property insurance. Your park\u2019s building, all the trampolines, foam pits, dodgeball courts, snack bar \u2013 that\u2019s all your stuff. But regular property insurance usually doesn\u2019t cover things like equipment breakdown from regular use, or even things like foam pit contamination (if a mold issue pops up in the foam, that\u2019s not a standard claim). A lot of new owners think their landlord\u2019s property insurance covers their gear \u2013 nope, that\u2019s for the building structure, not your custom trampoline setup. I\u2019ve seen parks lose $100k+ in equipment because a pipe burst overnight and water ruined the wiring under the trampolines. If you have specific stuff like laser tag stations, party room decor, or even arcade games, make sure those are added to your policy too \u2013 don\u2019t assume they\u2019re included in the \u201cstandard property\u201d amount.<\/p>\n

Then there\u2019s workers\u2019 comp. This one\u2019s non-negotiable in almost every state, but you\u2019d be surprised how many small park owners try to skip it. If an employee gets hurt setting up a new foam pit (yep, we help with installs and sometimes our crew trains the park staff, but if your guy messes up and falls, that\u2019s on you), workers\u2019 comp covers their medical bills and lost wages. I had a client a couple years back who hired a kid off Craigslist to help move a trampoline frame \u2013 the frame slipped and broke his arm. The owner didn\u2019t have workers\u2019 comp, so he paid over $30k out of pocket. That\u2019s money that could\u2019ve gone to new park attractions or a better snack bar (let\u2019s be real, the snack bar is make-or-break for repeat customers). Also, make sure your policy covers temp workers too \u2013 a lot of parks hire extra people for weekends or birthday parties, and they forget to add them.<\/p>\n

Wait, what about specialty stuff? Like, if you have a Ninja Warrior course, a go-kart track (wait, no, maybe just trampolines, but some parks add other stuff), or even a \u201csilent arena\u201d for older kids? There\u2019s specific coverage for recreational activities, and regular policies often exclude those. I had a park owner who added a stilt walking area \u2013 his old general liability didn\u2019t cover it, and when a kid tripped and scraped up his leg, the insurer almost denied the claim. We walked him through adding \u201crecreational activity endorsement\u201d a few months before that, so he was covered. Another big one: umbrella insurance. That\u2019s like a safety net on top of your other policies. If you have a big incident \u2013 say, a group of 10 kids all get hurt in a foam pit and the total claim is $2M \u2013 your general liability might only cover $1M, and your property might not cover the medical stuff. Umbrella insurance kicks in for that extra amount. It\u2019s not super expensive \u2013 usually a few hundred bucks a month \u2013 and it\u2019s saved more than one of my clients from going under.<\/p>\n

Now, let\u2019s talk about the mistakes I see parks make with insurance, because that\u2019s half the battle. First, underinsuring. I once worked with a park that had 15 trampolines, a 10,000 sq ft space, and their general liability was only $500k. When a patron broke their neck doing a backflip and the claim hit $1.2M, the owner had to sell his personal car and take out a small business loan to cover the rest. Second, not disclosing all their activities. If you host glow-in-the-dark jump nights, competitive trampoline tournaments, or even yoga classes on trampolines, you have to tell your insurance company. They charge a little extra, but if you don\u2019t, you\u2019re basically giving them a free pass to deny a claim. Third, skipping equipment-specific coverage. Our trampoline pads and safety nets are top-tier, but if a kid climbs over a net and gets hurt, you want that covered. Some policies only cover \u201cintended use\u201d of equipment, so if someone does something dumb, you\u2019re stuck. But a good park-specific policy covers misuse, too \u2013 as long as you post clear signs, which you should be doing anyway.<\/p>\n

Wait, also \u2013 what about renters insurance if you\u2019re in a shared space? Like, if your park is inside a mall or a rec center? A lot of small parks rent space, and their renter\u2019s policy doesn\u2019t cover commercial equipment. I had a client who rented a spot at a community center, and their renter\u2019s insurance only covered the mats, not the trampoline frames. When a frame bent, they had to pay $8k to replace it out of pocket. We now make sure all our clients who rent space know to add commercial equipment coverage to their renter\u2019s policy, or get a separate business policy.<\/p>\n

As a trampoline park supplier, I don\u2019t just sell you trampolines and safety gear. I\u2019ve seen the good, the bad, and the ugly of park operations, and insurance is one of those things that\u2019s easy to put off until it\u2019s too late. I once had a client who was so focused on getting the coolest foam pit and the best party packages that he forgot to update his insurance, and when a fire broke out in the electrical panel (something that even our quality control checks can\u2019t 100% prevent), his policy didn\u2019t cover the equipment because it was \u201cnon-standard\u201d \u2013 his old policy didn\u2019t include the Ninja course he added 6 months prior. He had to shut down for 4 months, lost all his summer business, and almost closed permanently. That\u2019s the stuff we try to help you avoid.<\/p>\n

Let me break down a quick, realistic coverage package for a mid-sized trampoline park (5-10k sq ft, 20+ trampolines, party rooms): $1M general liability (with products-completed and recreational activity endorsements), $500k property insurance (covers all equipment, building improvements, and inventory), $2M umbrella insurance, and workers\u2019 comp for all full-time and temp staff. Total monthly cost? Usually between $800-$1,200, depending on your location. That might sound like a lot, but when you compare it to a single bad claim that could cost you $100k+, it\u2019s a no-brainer.<\/p>\n

Another thing: make sure you work with an insurance agent who specializes in amusement or recreational facilities, not just a general business agent. A general agent might not know that trampoline parks have higher injury risks than, say, a clothing store. I refer all my clients to a couple agents who focus solely on family entertainment centers, and they\u2019ve helped hundreds of parks get the right coverage at a fair price. Don\u2019t try to go with the cheapest agent \u2013 the wrong agent will leave you exposed.<\/p>\n

And let\u2019s talk about something not many people mention: insurance for \u201closs of business.\u201d If your park has to close for a week because of a burst pipe, mold, or a big incident, loss of business coverage pays you for the income you lose during that time. I had a park that had to close for 2 weeks after a kid got hurt and their insurance required them to do a safety audit. They lost $20k in party bookings, and their loss of business coverage covered almost all of it. That\u2019s huge \u2013 because even a short closure can put a big dent in your profits, especially if you rely on birthday parties and weekend crowds.<\/p>\n

So, what\u2019s the key takeaway here? Trampoline park insurance isn\u2019t a one-size-fits-all thing. It\u2019s not just the basic policy you get for your coffee shop or retail store. It\u2019s specific to your space, your equipment, your activities, and how many people you hire. As a supplier, we\u2019re here to help \u2013 we can tell you what equipment has been the most problematic for parks in the past, so you can talk to your agent about getting coverage for those specific risks, and we can connect you with trusted agents who know the industry.<\/p>\n

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If you\u2019re just starting out, or if your current policy is getting outdated (if you haven\u2019t reviewed it in the last year, do it today!), hit us up. We don\u2019t just sell gear \u2013 we help park owners set themselves up for success, and that means making sure they\u2019re protected when things go wrong. Because let\u2019s be real, even the best run park will have a slip, a broken mat, or a random incident. The difference between closing your doors and bouncing back is having the right insurance.<\/p>\n

Trampoline Soft Play<\/a> References:<\/p>\n

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  1. International Association of Amusement Parks and Attractions (IAAPA). (2023). Insurance Best Practices for Family Entertainment Centers.<\/li>\n
  2. Small Business Administration (SBA). (2022). Risk Management for Recreational Businesses.<\/li>\n
  3. National Safety Council (NSC). (2021). Trampoline Park Injury Trends and Mitigation Strategies.<\/li>\n
  4. Insurance Information Institute (III). (2023). Commercial Property Insurance: What You Need for Amusement Equipment.<\/li>\n
  5. U.S. Department of Labor. (2022). Workers\u2019 Compensation Requirements for Temporary Employees in Recreational Industries.<\/li>\n<\/ol>\n
    \n

    Guangzhou Flyfun Amusement Equipment Co., Ltd.<\/a>
    Guangzhou Flyfun Amusement Equipment Co., Ltd. is one of the most professional trampoline park manufacturers and suppliers in China, featured by quality products and good price. Please rest assured to buy cheap trampoline park made in China here from our factory. Customized orders are welcome.
    Address: No.26 Dangang West Street,Shiji Village,Shilian Road, Shiji Town, Panyu District, Guangzhou City,Guangdong,China.
    E-mail: 13416106505@163.com
    WebSite:     https:\/\/www.indoorsoftplayground.com\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    Hey everyone! Let\u2019s cut to the chase \u2013 if you own or run a trampoline park, … What kind of insurance do trampoline parks have?<\/span>Read more<\/a><\/p>\n","protected":false},"author":75,"featured_media":592,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[555],"class_list":["post-592","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry","tag-trampoline-park-44a3-7453df"],"_links":{"self":[{"href":"http:\/\/www.martinstreeservice.com\/blog\/wp-json\/wp\/v2\/posts\/592","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.martinstreeservice.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.martinstreeservice.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.martinstreeservice.com\/blog\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"http:\/\/www.martinstreeservice.com\/blog\/wp-json\/wp\/v2\/comments?post=592"}],"version-history":[{"count":0,"href":"http:\/\/www.martinstreeservice.com\/blog\/wp-json\/wp\/v2\/posts\/592\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.martinstreeservice.com\/blog\/wp-json\/wp\/v2\/posts\/592"}],"wp:attachment":[{"href":"http:\/\/www.martinstreeservice.com\/blog\/wp-json\/wp\/v2\/media?parent=592"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.martinstreeservice.com\/blog\/wp-json\/wp\/v2\/categories?post=592"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.martinstreeservice.com\/blog\/wp-json\/wp\/v2\/tags?post=592"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}