Who insures it · 2 named markets · read 2026-10-28

Who insures inflatables and bounce houses?

Inflatables and bounce houses 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.

2 markets publicly write inflatables and bounce houses: XINSURANCE (DBA of Evolution Insurance Brokers, LC), Prime Insurance Company. 1 wholesaler, 1 E&S carrier. 2 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
XINSURANCE (DBA of Evolution Insurance Brokers, LC) Wholesaler	Inflatable rental businesses operating one or more commercial-grade inflatables (bounce houses, slides, obstacle courses, inflatable water parks): general liability, options for damage to inflatables and rental equipment, premises liability, personal liability extending to renters; units can be added mid-term with underwriting approval. 'Excess and surplus lines insurance brokerage'. “XINSURANCE identifies coverage solutions for all types of inflatables and their unique risks”	not stated (commercial auto 'Available in most states')	Surplus lines	xinsurance.com · read 2026-10-28
Prime Insurance Company E&S carrier	Inflatables businesses: party equipment rental companies that rent and operate bounce houses, inflatable slides, jumpers and other blow-up devices, and indoor inflatables businesses charging per person. Commercial general liability, commercial auto (most states), equipment rental liability, personal liability, physical damage, premises liability, products liability, property, assault and battery, “Here at Prime Insurance Company, we create customized liability insurance policies designed for inflatables businesses”	all 50 states ('Prime Insurance Company writes in all 50 states of the USA')	Surplus lines	primeis.com · read 2026-10-28

Only two verifiable markets, and they are affiliated (XINSURANCE/Evolution Insurance Brokers places with Prime Insurance Company). Cossio Insurance Agency, the long-time inflatable specialist, now redirects to Brown & Brown (us.bbrown.com) with no inflatable page found. McGowan Allied, Haas & Wilkerson, Alive Risk, American Specialty, PHLY, Monument and Granite pages fetched do not mention inflatables. The web-search budget was exhausted before additional inflatable-specific programs could be located. Lead-agent checks on 2026-10-28: Insurance Allies, Event Helper (vendor page), Sadler (404),

How inflatables and bounce houses 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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