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.
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.
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!
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
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!
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.
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.
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.
