Coverage requirements

Family Amusement & Entertainment Venues

Recreation & Entertainment59% completeness
Run gap analysis

Last updated August 2026 · Maintained and reviewed by the Advocate Insurance Consultants coverage research team.

Overview

What an adequately protected Family Amusement & Entertainment Venues program looks like

Family entertainment centers offer indoor and outdoor attractions including games, rides, and athletic activities for patrons of all ages and abilities. Venues host large numbers of guests, many of them children, in purpose built spaces. Crowds of children and unusual space requirements that can make relocation difficult are leading exposures. In this Advocate Standard profile, the coverages most important to family amusement & entertainment venues, including Auto Liability, General Liability, Worker's Compensation, Fidelity Bond, Physical Property, are benchmarked with limit, deductible, and carrier-quality standards that protect the balance sheet.

Key takeaways

  • Spans 138 published requirements across 40 coverage type-peril pairs.
  • Applies to 2 asset types: Amusement / Recreation Facility, Recreation & Entertainment Operator.
  • Covers 14 coverage types and 14 distinct perils.

At a glance

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Completion score

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9 of 40 WIM pairs required

Coverage tower

Required limits by coverage type and peril

Property8 coverage types

Fidelity Bond

Overall limit$100K

Business Income

Flood≥ Business Income Amount for Buildings in an SFHA
TRIA - Property≥ Business Income Amount
Earthquake≥ Business Income Amount
Named Storm≥ Business Income Amount
Water / Sewer Backup≥ Business Income Amount
Wildfire≥ Business Income Amount
Wind Hail≥ Business Income Amount
Overall limit≥ Business Income Amount

Physical

Flood≥ RCV / Insurable Value of First 2 Floors Above Grade + any Floors Below Grade of Buildings Located in an SFHA
TRIA - Property≥ RCV of Existing Structure / Insurable Value
Earthquake≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Water / Sewer Backup≥ RCV of Existing Structure / Insurable Value
Wildfire≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value

Builder's Risk

Overall limit≥ RCV of Existing Structure / Insurable Value

Business Personal Property

Overall limit≥ RCV of Existing Structure / Insurable Value

Inland Marine

Fire≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Theft≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Water Damage≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Overall limit≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Limited Fungus

Overall limit$15K

Ordinance or Law

Earthquake≥ RCV of Existing Structure / Insurable Value
Flood≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value
Liability6 coverage types

Auto Liability

Hired & Non-Owned Auto$5M
Owned Auto$5M
Overall limit$5M

Disability Liability

Overall limit$2M

Employer's Liability

Overall limit$2M

Worker's Compensation

Overall limit$500K

General Liability

Overall limit$4M
Assault & Battery$5M

Terrorism Liability

TRIA - Liability$2M
Overall limit$2M

Requirements

Full requirement set for Family Amusement & Entertainment Venues

Every requirement in the Advocate standard, 138 rows across limits, deductibles, carrier rating, and presence checks. Search and filter to drill in.

Group
Type
Peril

Showing 50 of 138 matching · 138 total

RequirementPerilRequirement typeApplicabilityRequirement
Property › Builder's RiskAcceptable Blanket Builder's Risk DeductibleOverallDeductibleBlanketBlanket Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income DeductibleOverallDeductibleBlanketBlanket Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Named Storm DeductibleNamed StormDeductibleBlanketBlanket Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Wind Hail DeductibleWind HailDeductibleBlanketBlanket Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Blanket Business Personal Property DeductibleOverallDeductibleBlanketBlanket Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Blanket Inland Marine DeductibleOverallDeductibleBlanketBlanket Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Blanket Limited Fungus DeductibleOverallDeductibleBlanketBlanket Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Blanket Ordinance or Law DeductibleOverallDeductibleBlanketOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical DeductibleOverallDeductibleBlanketBlanket Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Blanket Physical Named Storm DeductibleNamed StormDeductibleBlanketBlanket Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Blanket Physical Wind Hail DeductibleWind HailDeductibleBlanketBlanket Physical Wind Hail deductible must not exceed 5% of the insured value.
Property › Builder's RiskAcceptable Scheduled Builder's Risk DeductibleOverallDeductibleScheduledScheduled Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income DeductibleOverallDeductibleScheduledScheduled Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Named Storm DeductibleNamed StormDeductibleScheduledScheduled Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Wind Hail DeductibleWind HailDeductibleScheduledScheduled Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Scheduled Business Personal Property DeductibleOverallDeductibleScheduledScheduled Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Scheduled Inland Marine DeductibleOverallDeductibleScheduledScheduled Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Scheduled Limited Fungus DeductibleOverallDeductibleScheduledScheduled Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Scheduled Ordinance or Law DeductibleOverallDeductibleScheduledOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical DeductibleOverallDeductibleScheduledScheduled Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Named Storm DeductibleNamed StormDeductibleScheduledScheduled Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Wind Hail DeductibleWind HailDeductibleScheduledScheduled Physical Wind Hail deductible must not exceed 5% of the insured value.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have AM Best rating >= A- and size >= VII.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have AM Best rating >= A- and size >= VII.
Liability › Worker's CompensationStatutory Workers Compensation ConfirmedOverallOtherAllWorkers Compensation must be at statutory limits with Employers Liability.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto Excess/Umbrella LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto Excess/Umbrella LimitOwned AutoLimitAllOwned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto LimitOwned AutoLimitAllOwned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability Excess/Umbrella LimitOverallLimitAllAuto Liability must carry an excess/umbrella limit of at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability LimitOverallLimitAllAuto Liability must carry a combined single limit of at least $1,000,000.
Property › Builder's RiskSufficient Blanket Builder's Risk LimitOverallLimitBlanketBlanket Builder's Risk limit must be at least the RCV / insurable value.
Property › Business IncomeSufficient Blanket Business Income - Certified Acts of Terrorism LimitTRIA - PropertyLimitBlanketBlanket Business Income (Certified Acts of Terrorism) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Earthquake LimitEarthquakeLimitBlanketBlanket Business Income (Earthquake) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Named Storm LimitNamed StormLimitBlanketBlanket Business Income (Named Storm) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Water / Sewer Backup LimitWater / Sewer BackupLimitBlanketBlanket Business Income (Water / Sewer Backup) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wildfire LimitWildfireLimitBlanketBlanket Business Income (Wildfire) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wind Hail LimitWind HailLimitBlanketBlanket Business Income (Wind Hail) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income LimitOverallLimitBlanketBlanket Business Income limit must be at least the 12-month business income value.
Property › Business Personal PropertySufficient Blanket Business Personal Property LimitOverallLimitBlanketBlanket Business Personal Property limit must be at least the RCV / insurable value.
Property › Inland MarineSufficient Blanket Inland Marine - Fire LimitFireLimitBlanketBlanket Inland Marine (Fire) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine - Theft LimitTheftLimitBlanketBlanket Inland Marine (Theft) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine - Water Damage LimitWater DamageLimitBlanketBlanket Inland Marine (Water Damage) limit must be at least the value in care, custody & control.
Property › Inland MarineSufficient Blanket Inland Marine LimitOverallLimitBlanketBlanket Inland Marine limit must be at least the value in care, custody & control.

88 more requirements

Compliance

Who requires Family Amusement & Entertainment Venues

  • Family entertainment center insurance is required by the lenders, landlords, and carriers exposed to high-volume, child-heavy attractions.
  • Commercial lenders and loan servicers financing rides, arcades, and building improvements require property and liability coverage with lender's loss payable.
  • Landlords and mall property managers leasing large-format space demand general liability with additional insured status.
  • General liability carriers and their reinsurers underwrite ride inspection, attendant training, and supervision because crowds of children drive the class.
  • State ride-safety inspectors and local permitting authorities mandate coverage for mechanical attractions.
  • Franchisors licensing entertainment brands and retail brokers confirm participant injury, abuse, and ride exposures are all scheduled.

Carrier standard. Carrier must have AM Best rating >= A- and size >= VII.

Advocate runs these checks automatically for the brokers who place recreation & entertainment coverage.

Exclusions

What Family Amusement & Entertainment Venues does not cover

  • Family entertainment center insurance here includes general liability, property, and workers' compensation, but the attraction mix creates gaps.
  • Injuries on rides, trampolines, climbing structures, and go-karts can face participant limitations, so affirmative participant coverage matters.
  • Abuse and molestation exposure from childcare, birthday parties, and youth programs is excluded from standard forms and needs a dedicated endorsement.
  • Liquor liability for venues serving alcohol, cyber for booking and arcade card systems, and communicable disease are typically excluded.
  • Assault and battery can be sublimited.
  • Ride and inflatable manufacturers' defects fall to products liability, and equipment breakdown for ride mechanicals and refrigeration is not automatic.
  • Flood and earthquake usually require separate placement.

Risk advisory

Typical coverage gaps in Recreation & Entertainment

Family amusement and entertainment venues manage risk by prioritizing child safety, ride integrity, and crowd control.

  • Confirm general liability affirmatively covers participant injury on rides, trampolines, inflatables, and go-karts, and maintain manufacturer inspection schedules, attendant training, and height and weight restrictions.
  • Add abuse and molestation coverage wherever the venue offers childcare, camps, or supervised parties, since that exposure is excluded from standard policies.
  • If alcohol is served, add liquor liability.
  • Match crime and cyber limits to arcade-card, redemption, and cash-handling systems.
  • Schedule rides and inflatables, and add equipment breakdown for mechanical attractions and refrigeration whose failure could injure guests or close the venue.
  • Given large crowds and unusual space, review evacuation planning, business interruption, and relocation difficulty, and log incidents thoroughly.

FAQ

Frequently asked questions

What insurance does a family entertainment center need?

A family entertainment center needs general liability with affirmative participant injury coverage for rides and attractions, property coverage for equipment and the building, workers' compensation, and abuse and molestation coverage for child-serving programs. Venues serving alcohol need liquor liability, and arcade and booking systems warrant crime and cyber coverage.

Are ride and attraction injuries covered by general liability?

Ride and attraction injuries are covered by family entertainment center general liability when the policy affirmatively includes participants, but some forms apply participant limitations. Operators should confirm coverage for trampolines, inflatables, go-karts, and climbing structures, maintain manufacturer inspection schedules, and enforce height, weight, and attendant-supervision rules.

Do family entertainment centers need abuse and molestation coverage?

Family entertainment centers that offer childcare, camps, birthday parties, or supervised youth programs need abuse and molestation coverage because standard general liability excludes these claims. A dedicated endorsement responds to allegations involving employees, contractors, or volunteers and is increasingly required by lenders and franchisors for child-serving venues.

Does entertainment center insurance cover equipment breakdown?

Standard entertainment center property insurance does not automatically cover equipment breakdown. Because ride mechanicals, arcade systems, and refrigeration can fail suddenly and either injure guests or force a closure, operators should add equipment breakdown coverage to respond to mechanical and electrical failures alongside lost income from the outage.

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About this coverage standard

This profile is maintained by the Advocate Insurance Consultants coverage research team, which maintains the Coverage Library benchmarks against the World Insurance Model taxonomy and reviews each standard against live market placements. It is general guidance, not legal or coverage advice. Verify requirements against the actual policy and contract.

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