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Application | FAQs | How much? | Safety | Resources

More than likely you are here for one of two reasons: A. You are starting out a
new bounce house business or B. You are looking for a better rate on your
existing party rental insurance coverage. Either way; look no further! We have
your comprehensive guide to inflatable rental insurance right here


INFLATABLE INSURANCE FOR INDOOR CENTERS & PARTY RENTALS

Cossio Insurance Agency provides quality, low cost inflatable insurance for
bounce houses, inflatable slides, jumpers & more! Whether you need Party
Equipment Rental Insurance or have an indoor inflatable business, our staff
specializes in finding competitive insurance quotes for your individual risks.
Inflatable insurance programs vary with different companies and there are many
companies that are pulling out of the industry...but not here at the CIA! We
represent all of the best programs in the industry and are able to get you
insurance coverage that you would be unable to find elsewhere.

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APPLY FOR INFLATABLE INSURANCE


Inflatable Online Applications (Faster) Inflatable Rental Application Broker
Application Indoor Inflatable Application PDF Applications (slower) Inflatable
Rental PDF Indoor Inflatable PDF

Our insurance quotes take into consideration your experience in the inflatable
industry, your insurance track record and the units that you own and operate.
This way we are able to provide you with affordable, low cost prices and the
proper insurance coverage for your bounce houses & other amusement devices.
Insurance for Inflatables is our specialty; we do more business with inflatable
rental companies and indoor centers than any of our other entertainment
programs. Don't take our word for it...see what our customers are saying.


WHAT ALL THE TALK IS ABOUT

Cossio Insurance Agency is known throughout the entertainment industry as the
leading party rental insurance provider in the nation. Our friendly customer
service, knowledge of the industry, online applications & resources for our
customers, makes us stand out from the rest.





PARTY EQUIPMENT RENTALS INSURANCE ESTIMATE

Unfortunately, since every indoor party equipment rental shop is unique, we are
unable to give out quick estimates for party equipment rentals online. Please
give one of our friendly agents a call at 864-688-0121.

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OTHER RECOMMENDED COVERAGES

On top of your regular inflatable insurance general liability policy there are
some additional types of insurance that you may need to make sure that your
business is fully covered.


WORKERS COMPENSATION

This insurance coverage is a requirement in most states if you have employees.
It provides coverage for bodily injury, medical bills, loss of income, death for
all employees, full time or part time.
Download Application


INLAND MARINE (PROPERTY)

This provides coverage for your business property for fire, theft, vandalism on
premises, or if Inland Marine while off premises. If you cannot afford to lose
your inventory to theft or fire, this is an important coverage to purchase. You
need to make sure your jumpers are protected!
Download Application


COMMERCIAL AUTO

Your personal auto policy has an exclusion for business use so you will have no
coverage under your current auto insurance policy. A commercial auto policy will
cover you for both business use and personal use. If you use a trailer to carry
your rentals to the location add this unto your policy.
Download Application


CYBER LIABILITY COVERAGE

Cyber Liability coverage is especially important if you process credit cards or
obtain personal information from customers.
Download Cyber Liability Application


HOW MUCH IS INSURANCE ON A BOUNCE HOUSE?

The cost of insurance for the average start-up is $1790 (as of 2/22/19). This is
the minimum premium (or the least amount you will pay for party rental
insurance) You may be thinking "I just spent thousands of dollars on all these
inflatables. Now you want me to pay how much for insurance?” You’re not alone in
this thought. The fact is however, you can’t afford to run your party rental
business without liability insurance.


FAQ'S


DO I NEED INSURANCE FOR A BOUNCY CASTLE?

The short answer here is yes. Although insurance is not a requirement in all
states, bounce house insurance is something you can't afford to be with out.


WHY DO I NEED LOSS RUNS? I DON’T HAVE ANY LOSSES?

We need to see your loss runs to get a clear picture of your claims history, to
verify prior insurance coverage for underwriting purposes, to look for patterns
of frequency or severity of loss which may cause them concern, and to calculate
your loss ratio for underwriting purposes. "But isn't my word good enough?" We
would love to be able to take your word for it. However, unfortunately people
are not always honest. In order to protect ourselves and to be fair to every one
we need to see your loss history in writing. Kind of like you need to show your
pay stubs to get a loan or the way that a car insurance company would check your
driving record.


WHAT DOES INLAND MARINE COVER?

This is coverage for your equipment itself. This policy will cover your
equipment against fire, theft or vandalism, where ever your equipment is
(stored, transit, or at a party).


HOW IS THE PREMIUM CALCULATED FOR INLAND MARINE COVERAGE?

The premium will depend on the value of your equipment.


WHAT DO I NEED TO GET A QUOTE FOR INLAND MARINE COVERAGE?

Completed inventory list, serial numbers and value of all units.


WHAT IS AN ADDITIONAL INSURED?

An individual or entity that is not automatically included as an insured under
the policy of another, but for whom the named insured’s policy provides a
certain degree o Pf protection. A general liability policy only provides defense
coverage for the named insured, which means the corporation, LLC, officers,
members, employees or volunteers. If you have sub-contractors coming into your
business or activity you need to request insurance coverage from them with
limits of at least $1,000,000 per occurrence and name you as additional insured.
We would recommend that you do this for their general liability, commercial auto
and workers compensation.


WHEN DO I NEED AN ENDORSEMENT?

An endorsement is typically required to effect additional insured status.


WHAT IS PAY FOR PLAY?

Pay for play is a phrase used for a variety of situations in which money is
charged per a person for the privilege to (play) in the inflatables. For example
if someone sets up an inflatable at a park and charges for each child to jump in
the inflatable that would be consider pay for play. Party Rentals are not
considered pay for play. An example would be renting a bounce house out for a
birthday party, even though the people are paying to use the inflatable, they
are not charging each child to jump in the inflatable, so this is not pay for
play.


CAN WE INSURE MECHANICAL BULLS THAT ARE INSIDE OF BARS?

It is much harder to find coverage at an affordable rate for mechanical bulls
inside of bars. At this time, we do not have a market for mechanical bulls used
in bars or events with alcohol.


WHY IS IT HARDER TO INSURE MECHANICAL BULLS INSIDE OF BARS?

It is harder to insure mechanical bulls inside of bars because of the risk of
liability involved. The fact that intoxicated persons will be riding the bulls
makes the liability risk very high which means that the premium can get very
high as well. Cossio Insurance works with many insurance companies to make sure
that we can get your party rental insurance coverage at the best price available
on the market!

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BOUNCE HOUSE SAFETY

Bounce house safety is the key to keeping your insurance premiums low. More
claims = Higher Premiums for Everyone. By following some basic safety rules and
knowing things to look out for, you can keep yours and everyone else's premiums
from increasing.


BIGGEST CAUSES OF INFLATABLE INJURIES

Lack of trained supervision: One of the biggest cause of claims that we see is
lack of trained supervision. Do you just drop your devices off or do you make
sure there will be attendants with every device? For Indoor Inflatables, do you
have enough attendants to properly supervise all of your devices? Having enough
trained attendants will drastically reduce your chance of someone getting hurt
on one of your devices. Attendants should know the maximum number of children
allowed in each device, pay attention to what is going on inside/on the device,
make jumpers take off shoes and loose items and pay attention to the weather.
Each device should have an attendant that is trained in safety rules for that
device. For example with an inflatable slide attendants need to make sure
children are coming down the slide one at a time and are sliding down on their
butts. In a bounce house the attendant needs to make sure children are not
bouncing against walls or on top of each other. Depending on the size/layout of
the inflatable, some devices require multiple attendants.

Bad Weather The threat of bad weather obviously applies more to party rental
businesses than indoor centers. For party rentals, bad weather is another big
cause of accidents.. One strong wind gust can send an inflatable airborne and
cause many injuries and sometimes even death. Wind gusts of 20 mph have the
ability to pick up a bounce house and send it flying. It is very important to
check the weather everyday and make sure that devices are properly secured.

Damaged Devices: It is important to check all inflatables before each use for
any signs of damage. Tears, torn panels & netting, cracked vinyl are all things
that should take that inflatable device out of commission.

Inflatable Articles: Our blog has a lot of good information about accidents that
can happen & tips on keeping your bounces houses safe.


SAFETY TOOLS

Klumsy Kanga Safety Video: Cossio Insurance Agency developed a short animation
that teaches children bounce house safety. Klumsy Kanga goes through the bounce
house safety rules in way that is more fun and interesting for children. It
would be a great idea to show this to all your participants before you allow
them to play on the inflatables. You can download the files using by clicking on
the Kanga Poster icon with the download symbol.

Digital Waivers: Waivers are important for the protection of your business.
Although a waiver is not always assurance against a lawsuit, it is a vital tool
in your defense if you were to get sued in the event of an accident. PALSEG
members have access to a free digital waiver program: www.digitalwaiversrus.com
. We are unable to give any advice in terms of the wording of the waiver, this
is something that is best done by a lawyer as we are not experts on the law.


RESOURCES


 * Aplique Ahora
 * How to Videos
 * Digital Waivers

   The following documents include a sample waiver that you can use for
   customers, as well as templates for keeping track of your inventory.

 * Agreement Sample
 * Customer Instructions
 * PDF Inventory
 * Excel Inventory
   
   

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   Below are links for Amusement Device & Inflatable Manufacturer's. These links
   are for informative purposes and are not necessarily endorsed by Cossio
   Insurance Agency. If you see any we should add to the list please let us
   know!


   AMUSEMENT DEVICE MANUFACTURERS

   
   
 * Galaxy
 * VIV Rodeo
 * GS Rodeo Bull
 * Vertical Reality
 * Spectrum Sports
 * Extreme Engineering
 * Spectrum Sports
 * True American Classics

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   INFLATABLE MANUFACTURERS

   
   
 * Happy Jump
 * Ninja Jump
 * Jungle Jumps
 * Superior Inflatables
 * Magic Jump
 * Inflatable Depot
 * e-Inflatables
 * Jingo Jumps
 * Bouncing Agenls
 * TentAndTable.com

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      TRADE SHOWS
   
      
      
    * IAAPA

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Ninja Jump, the leader in licensed inflatable products, has chosen Cossio
Insurance Agency to be a Ninja Jump preferred insurance provider for all their
customers. We are pleased to be honored and chosen to provide insurance for
their customers.

Visit Ninja Jump's website and see the licensed inflatables they have to offer!



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Amusement Supply Company is your one stop for New & Used Amusements. They Buy,
Sell and Trade any and all amusement attractions. Items they sell include
inflatables, photo booths, Mechanical Bulls, Rockwall & more!

Check out their website to see everything they have to offer.




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ClearView Financial finances new or used equipment such as rides, vehicles,
trailers & other equipment for amusement businesses. ClearView is a member of
IAAPA & has worked with major manufacturers of equipment, offering financing in
all 50 states.

Check out their website to learn more about their financing.





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InflatableOffice offers rental software to automate your business. Quotes,
emails, surveys, contracts, pay & book online. Integrates w/Google Calendar,
Authorize, Quickbooks. Customers of both the CIA & InflatableOffice can receive
a 10% discount on their premium & 10% off an InflatableOffice subscription.

Check out their website to learn more about their program.



INSURANCE PROGRAMS

Airsoft
Bowling
Brokers
Bungee Trampoline
Business
Dance Studios
Entertainers
Eurobungy
Event Planner
FEC
Go-Karts
Halloween
Indoor Inflatable Center
Inflatable Rentals
Laser Tag
Martial Arts


Mechanical Bulls
Mini Golf
Mud Runs
Musical Instruments
Paintball
Party Equipment Rentals
Product Liability
Professional Liability
Rock Climbing
Skating
Special Events
Sports
Trackless Trains
Weddings




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