Bounce house insurance companies: who sells to rental operators

Search for who insures bounce houses and you get old lists: manufacturers' resource pages, directories, a few Facebook threads. Some of the names on them now redirect somewhere else. The company facts below come from each company's own pages, read on 2026-09-29, and where a page had nothing to say we say so.

We don't rank these. Nothing any of them publishes lets us say one is better, and who quotes you well depends on your loss runs, your units and your states.

The list at a glance

Company	What its site calls it	Names inflatables	Publishes price	How it says you get quoted
Kelly Insurance Group	Independent specialty brokerage	Yes, in detail	Yes	Intake form, or call or text
Pro Insurance Group	Independent broker, 20+ carriers	Yes	Yes	Online form, or phone
First Commercial Insurance Agency	Independent agency, Florida	Yes, by unit class	Yes	Three-minute form, reply in 24 to 48 hours
Party Rental Insurance Advisors	Division of Routeway Insurance Group	Yes	A benchmark only	Online application, or email or phone
Liberty United Insurance	Specialist for party rental and family fun	Yes	No	Form, phone or email
XINSURANCE	Powered by Evolution Insurance Brokers	Yes	No	Form, then a consultation call
OVD Insurance	Insurance agency with an inflatables page	Yes	No	"Connect with an OVD Advisor"
Wexford Insurance	Insurance agency, Indiana	Yes	No	Website quote, or phone
bounce-house-insurance.com	Broker, Imperial Beach, California	Yes	No	Online quote tool, phone or chat
Paragon Insurance Holdings	Program manager	Bounce houses and dunk tanks	No	Program contact and submissions address

Sellers that publish a price

Kelly Insurance Group

Kelly's operator page says it writes inflatable rental operators across the United States, from two bounce houses and a trailer to a full fleet, and lists unit types it will write: static units, mechanical inflatables, water units, slides over 20 feet, obstacle courses, and tents, tables and chairs as ancillary items. It publishes an eight-item list of what to have ready (waiver, rental agreement, inventory, photos, five years of loss runs, safety rules, weather protocol, application) and a list of reasons submissions get declined.

The prices are on Kelly's inflatables page and startup page: $2,500 or more for established operators, $3,500 to $4,000 for startups under $50,000 in revenue, with a $100,000 per-claimant sublimit. Our cost page puts them beside everyone else's. Its inflatables page lists accident medical limits of typically $10,000, $25,000 or $50,000 per participant, which is the participant accident cover.

Pro Insurance Group

Pro describes itself as an independent broker serving 40-plus states that shops 20-plus carriers, and says it issues additional insured certificates the same day. Its inflatable page lists participant liability, general liability, inland marine, wind and anchoring, business income and certificates. Its published table runs from $1,800 to $3,000 for one to five units up to $6,500 to $18,000 for an indoor park, labeled estimates.

One caution from the same page: an FAQ answer there gives $500 to $1,500 a year for home-party operators and $1,500 to $4,000 for commercial multi-unit operators, which does not match the table above it. Ask which one applies to you.

First Commercial Insurance Agency

First Commercial writes annual commercial general liability for bounce house and inflatable operators in Florida and 13 other states it lists, including Texas. Its page covers bodily injury, property damage, products and completed operations, and optional inland marine. It schedules each inflatable class on the policy and says most established operators land between $1,800 and $3,500 a year at standard limits, listing the factors: revenue, inventory, water share, loss runs, years in business, state, employees and event types.

Its quote steps are a three-minute form, a reply in 24 to 48 hours, underwriting questions, then binding. One conflict to check: its dunk tank page names TDLR as the Texas amusement device regulator. The statute and the TDI pages that our Texas guide uses name the Texas Department of Insurance. If you buy in Texas, ask the agent who your filing goes to.

Party Rental Insurance Advisors (formerly Bounce House Risk)

The old bouncehouserisk.com now redirects to this site, which says "Bounce House Risk has rebranded" and describes itself as a division of the Routeway Insurance Group. It says it serves operators across all 50 states and lists inflatable parks, obstacle courses, water attractions and mechanical bulls among its segments. Its inflatables page says participant liability must be included, with $1M per occurrence and $2M aggregate as the standard, and a specialist follows up within one to two business days of a quote request.

It doesn't publish premiums, but its cost calculators page gives a benchmark: a total program at 4 to 8 percent of gross receipts for inflatable and amusement operators, with under 4 percent "usually under-insured." That is the company's own rule of thumb. Its Texas page says inflatables need an annual inspection, registration and a $1M liability policy filed with TDI.

Sellers that publish no price

Liberty United Insurance says it has helped businesses since 2007, specializing in party rental and family fun markets, in all US states. The party rental page lists inflatables, mechanical rides, concession machines and tables, chairs and tents; the coverages it names are general liability, products and completed operations, inland marine, commercial auto, workers' comp and umbrella. It gives no limits or prices, and says nothing about Texas.

XINSURANCE is powered by Evolution Insurance Brokers, an excess and surplus lines brokerage. Its inflatable page says quotes are not instant because these risks need underwriting review, that coverage for unsupervised rentals or customer pickup depends on that review, and that coverage may be available for tables and chairs, concession machines and tents. It lists no prices.

OVD Insurance names party equipment, bounce houses, mechanical bulls and inflatable slides on one industry page. The page lists no limits, prices, states, participant accident cover or Texas rules. The only route offered is to contact an advisor.

Wexford Insurance is an insurance agency in Greenwood, Indiana. Its Texas page names bounce house, inflatable, party tent, and chair and table rental, and describes its own process as quoting multiple insurers and sending a comparison proposal. It lists general liability, property and equipment, workers' comp and professional liability, and doesn't mention TDI.

bounce-house-insurance.com calls itself a full-service broker in Imperial Beach, California. Its logo and quote links point to Ideal Choice Insurance, but the pages we read never state that connection in text. It offers annual or short-term policies, lists general liability at $1M to $2M, participant accident, equipment, workers' comp, commercial auto and a business service bond, and says a quote takes under a minute online. It lists no premiums on the pages we read, and the newest post in its blog feed is from October 2014.

Paragon runs a Party & Equipment Rental program that names bounce houses and dunk tanks beside tents and tables, partners with Arch Insurance Company (rated A+ by AM Best, per its page), and says it has "All States on One Policy." It gives a program contact and a submissions address but doesn't say whether operators can apply without an agent.

The Hartford also has a program page for party rental businesses. It never names inflatables, so ask whether yours are eligible. There's more on it in party rental insurance.

Names that now redirect elsewhere

These come up in older lists. As of 2026-09-29 their own domains behave differently:

• Cossio Insurance Agency's site, cossioinsurance.com, now redirects to the Brown & Brown homepage on every path we tried, and that homepage doesn't mention inflatables. Brown & Brown's 2019 announcement says it bought Cossio, a Greenville, South Carolina agency focused on family fun centers, paintball and inflatable rentals. Cossio's own site can't tell you what it writes today, so ask any broker that mentions it. Magic Jump's insurance list still shows a Cossio phone number and says it doesn't back any company on the list.
• Browning's site, browningagency.com, redirects to a Liberty Company page, which says the agency is the American Rental Association's preferred Florida writer for equipment and party rental. The page doesn't say what is covered or which items qualify.
• ISERA and the Friedman Group both appear on Magic Jump's list. ISERA's insurefun.com now redirects to XINSURANCE's amusement and recreation page, which links to its inflatables page. Over plain http, friedman-group.com redirects to an AssuredPartners page for Dubuque and onward to a Gallagher office page that doesn't mention inflatables; over https it fails to connect.

A vendor program that excludes inflatables

The Amusement Entertainment Risk Insurance Agency (AERIA) has a vendor liability program with $1M per occurrence and listed starting rates for events. Its exclusions include "inflatable recreational devices or inflatable amusement devices of any kind." We couldn't find a separate AERIA site to read, so we can't say what else it writes. A cheap vendor policy from an amusement agency can be the exact document your venue rejects. K&K Insurance's vendor program makes the same exclusion, as our coverage page shows.

What to ask any of them

1. Is participant injury on my inflatables covered, and is there a per-claimant sublimit? (See the coverage page.)
2. Do you file or support the Texas TDI amusement ride filing, and can you name the form?
3. Will the policy pay for customer pickup, unattended rentals or water units, or exclude them?
4. Can you issue an additional insured certificate the same day, with primary and non-contributory wording? The additional insured guide explains what venues want.
5. Which carrier writes it, and is it admitted or surplus lines?
6. What do you need from me: waiver, rental agreement, five years of loss runs, wind protocol?

Then take two written quotes and compare them against the published ranges on the cost page. A quote far under all of them needs its exclusions read line by line.