Who insures it · 5 named markets · read 2026-10-28

Who insures haunted houses and seasonal attractions?

Haunted houses and seasonal attractions is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write haunted houses and seasonal attractions: Leavitt Recreation & Hospitality Insurance, Sadler Insurance (division of Specialty Program Group), McGowan Allied Specialty Insurance, Prime Insurance Company, Insurance Allies, LLC (division of Specialty Program Group LLC). 4 program administrators, 1 E&S carrier. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Leavitt Recreation & Hospitality Insurance Program administrator	Haunted attraction programs ('our haunted attraction programs'; works with specialized markets and programs built for haunted attractions); waivers required to write and maintain coverage; carrier not named “Leavitt Recreation & Hospitality works exclusively with specialized markets and programs built for haunted attractions,”	not stated (CA license listed)	not stated	leavitt.com · read 2026-10-28
Sadler Insurance (division of Specialty Program Group) Program administrator	Haunted house / haunted attraction event insurance: accident and general liability with high limits; liability waiver/release expected for all participants “With our haunted house event insurance, we are confident we will meet your liability insurance needs”	not stated	not stated	sadlersports.com · read 2026-10-28
McGowan Allied Specialty Insurance Program administrator	Haunted House Insurance Program for haunted houses and seasonal scare venues, backed by the Haunted Attraction Association (HAA); fast onboarding before the season “Now offering the Haunted House Insurance Program with coverage backed by the Haunted Attraction Association.”	not stated on this page (Areas We Serve page: nationwide)	not stated	mcgowanallied.com · read 2026-10-28
Prime Insurance Company E&S carrier	Agritainment / fall-related businesses: 'Haunted Houses', 'Pumpkin Patches', 'Corn Mazes', 'Hayrides' and 'Petting Zoos' listed among businesses insured; customized liability; page says Prime has written agritourism for over 40 years and 'can insure fall-related businesses all across the country' “These activities include hayrides, pumpkin patches, petting zoos, axe throwing, corn mazes, and more.”	all 50 states (page: 'Prime Insurance Company writes in all 50 states of the USA')	Surplus lines	primeis.com · read 2026-10-28
Insurance Allies, LLC (division of Specialty Program Group LLC) Program administrator	'Haunted Houses' listed under 'Providing Premium Insurance Coverage For These Industries' (with axe throwing, escape rooms, laser tag, go-karts, rage rooms, gun ranges); boutique entertainment/recreation brokerage “Providing Premium Insurance Coverage For These Industries:”	not stated (licenses listed for IL, CA, NY)	not stated	insuranceallies.com · read 2026-10-28

Five markets; Sadler, McGowan Allied, Prime and Insurance Allies verified by the lead agent on 2026-10-28. Leavitt does not name its carriers. Seasonal attractions (corn mazes, pumpkin patches, hayrides) are explicitly named only by Prime; K&K's short-term event program lists haunted attractions, corn/hay mazes and pumpkin patches as ineligible. Granite Insurance's sitemap shows no haunted page; XINSURANCE has none; American Specialty's site is script-rendered.

How haunted houses and seasonal attractions gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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