Fast payouts. Fewer lawsuits. Happier customers. 

Accident insurance pays medical expenses regardless of fault for injured participants. It is not a replacement for liability insurance — it is a lawsuit prevention tool.  

This coverage can: 

• Pay medical bills quickly 
• Reduce attorney involvement 
• Preserve customer relationships 
• Support waiver defenses

Highly recommended for any venue in which people can get hurt in activities.

Protecting your building, build-out, and equipment and lost revenue

Entertainment centers invest heavily in tenant improvements and specialized equipment. Property insurance should reflect that reality. 

Coverage can include: 

1. Buildings (If Owned):
   Fire, wind, vandalism, and other covered causes of loss
    
2. Tenant Build-Out & Improvements:
   Covers the construction, materials, and installations you put into a leased space that are permanently affixed to the building. These are improvements you paid for, but do not remove when you leave.  

 
In simple terms: 

If it’s bolted, built, mounted, or attached to the walls, floors, or ceiling, this is typically considered tenant build-out. 

• Trampoline structures 
• Go-kart tracks 
• Soft play installations 
• Rock walls and ropes systems 
   

Business Personal Property / Contents 

Covers the movable items your business owns that are not permanently attached to the building.  

In simple terms: 

If it can be picked up, unplugged, rolled away, or relocated, it is typically considered contents. 

• Arcade games 
• Bowling lanes 
• VR equipment 
• Rental gear and safety equipment
   

Outdoor Signage & Plate Glass 

• Front windows 
• Exterior signage 
• High-traffic storefront exposures  
   

Equipment Breakdown 

• Mechanical and electrical failures 
• Arcade machines 
• HVAC systems 
• Specialized attraction equipment 
   

Business Interruption 

• Lost income after a covered loss such as a fire or tornado 
• Extra expense to reopen faster 
   

Covers your business when it’s sued over a physical altercation on your premises-like a bar fight, a bouncer injuring a patron, or an attack in your parking lot:

• The Coverage Gap:
  a large share of standard general liability policies exclude assault & battery entirely or cap it at a steep sublimit (often $25K–$100K vs. a $1M policy limit) — exact prevalence varies by market, but in high-risk classes like bars and nightclubs, exclusions or sublimits are the norm, not the exception.
   
• Common allegations: negligent security, inadequate lighting, undertrained staff, or overservice of alcohol — you can be sued even if employees did nothing wrong.
   
• Who needs it most: bars, nightclubs, restaurants with liquor service, and other entertainment venues.