How do you get insurance for an indoor playground?

Answer 1

The best first step may be to determine whether there is an industry organization for the owners/operators of businesses of this type. If so, it is likely that they have similar risk management needs, and may have worked with brokers and underwriters to develop suitable insurance programs in which you can participate. If you go that route, it is very important that you confirm that the insurer (the entity that bears financial responsibility for payment of claims) is a licensed insurer in the state in which you will operate. Also contact some of the other businesses that participate in the plan to determine their satisfaction with service, claims handling, and other salient factors.

If that does not pan out, contact a licensed commercial insurance agent or broker. Preferably, it should be someone or an organization to whom you were referred by a trustworthy source. Be certain that he/she/it is conversant with the nature of your business and its risk management considerations. You do not want a generalist, and just any "local" agent is likely to be ill-equipped to assist you.