Amusement Park Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Amusement Park Insurance

Amusement parks bring in millions of visitors every year. There’s no question why – the thrills and the entertainment that an amusement park or theme park can provide are unmatched. People love to go on roller coasters and theme parks offer a chance to escape to a fantasy world filled with attractions. However, despite all the fun an amusement park offers, there are plenty of risks. It’s best for owners and operators to have amusement park insurance to cover these risks and ensure peace of mind.

If you’re an insurance producer looking to write more business and provide insurance solutions to your clients, then Prime Insurance Company is the partner for you. As a leading excess and surplus lines insurance company, Prime can write amusement park insurance with confidence.

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure amusement parks and theme parks all across the country. Whether they need a brand new policy or if they have gaps and exclusions in their current policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best amusement park insurance providers out there. Many amusement park insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients of the following classes:

  • Amusement Parks
  • Theme Parks
  • Water Parks
  • Rollercoasters and Other Rides
  • Inflatables and Bounce Houses
  • Park Owners
  • Park Staff (including performers, security guards, and more)
  • And More

Coverage Options

  • Commercial General Liability
  • Commercial Auto Coverage (available in most states)
  • Animal Liability
  • Equipment Rental Liability
  • Inland Marine
  • Liquor Liability
  • Premises Liability
  • Products Liability
  • Professional Liability (E&O)
  • Property Coverage
  • Riot and Civil Commotion Liability Coverage
  • Special Events Liability
  • Active Shooter Liability Coverage
  • Alleged Assault and Battery Liability
  • Alleged Sexual Abuse and Molestation Liability
  • Communicable Disease Liability Coverage
  • TRU Umbrella / Excess Liability
  • And More


Common Scenarios That May Be Covered With Amusement Park Insurance

There are many scenarios in which you need liability insurance to help protect you from lawsuits and costly claims. Here are several common examples:

  • someone slips and falls on a wet surface
  • an employee accidentally hits a customer’s car in the parking lot
  • a ride malfunctions and someone injures themselves
  • someone alleges they were exposed to a communicable disease while at the amusement park
  • an employee fails to provide adequate safety instructions to a customer

Amusement Park Lawsuit Examples

The first amusement park lawsuit example involves an alleged injury in Colorado. A visitor raised their arm on a wooden roller coaster which then smacked against the track. The visitor ended up having a severely fractured left wrist and sued the amusement park, seeking undisclosed monetary damages. The lawsuit alleges that seatbelts on (the roller coaster) “were not functioning properly” and “failed to properly secure (the rider) in the seat”. As reported by The Denver Post.

Another example includes a wrongful death lawsuit. NPR reports that A 6-year-old girl fell to her death after ride operators failed to properly check her seatbelts. The child was sitting on top of 2 seatbelts previously buckled on the ride instead of wearing them properly. There is an alarm system to warn workers of the issue but the 2 workers were hired within the past 2 months and were not properly trained to fix the issue.

The last example is a ride malfunction at the Ohio State Fair. According to CNN, a ride malfunctioned on opening day which killed 1 person and injured several others. According to the report, parts of the structure, including a full row of seats, split up and fell. Investigators determined corrosion had weakened the arm of the gondola that snapped off mid-swing. The lawsuit alleges that the maker of the ride designed a defective product and that they had learned of the defect earlier on but fraudulently and intentionally concealed that information.

Amusement Park Insurance Providers and Prime Insurance

Looking for the best amusement park insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

Get An 'Amusement Park Insurance' Quote

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! We also require a phone call with the owner/applicant. Get started with your amusement park insurance quote today by clicking the “Get a Quote!” button above.


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Amusement park insurance is our expertise! 

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

About Us

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

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**The most current Financial Stability Rating® must be verified by visiting

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.