Due to its affordability and coverage, Hartford is the best small business insurer for bounce house companies. However, we recommend comparing quotes from our other top picks, including biBerk, NEXT and Simply Business.
Best Bounce House Business Insurance
Updated: June 27, 2025
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Key Takeaways
The Hartford is the best business insurance company for bounce house firms because it offers the greatest balance of affordability and coverage.
The cheapest overall commercial insurance provider for bounce house businesses is The Hartford, with low monthly rates for various coverage types.
To shop for business insurance for your bounce house business, assess the risks in your industry, consult agents and other similar organizations, and compare multiple options.
Best Business Insurance for Bounce House Companies
| The Hartford | 96 | 98 | 91 |
| biBerk | 93 | 96 | 91 |
| NEXT | 92 | 88 | 94 |
| Simply Business | 89 | 87 | 83 |
| Coverdash | 88 | 88 | 83 |
| Nationwide | 86 | 80 | 91 |
| Progressive Commercial | 86 | 86 | 81 |
| Chubb | 85 | 80 | 87 |
| Hiscox | 84 | 81 | 87 |
| Thimble | 83 | 83 | 81 |
*All scores were based on a bounce-house business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. The Hartford
pros
Lowest professional liability insurance rates
Extensive experience with over 200 years in the industry
Highest financial stability ratings
cons
Less affordable for workers' comp policies
COMPANY HIGHLIGHTS
The Hartford earned our top spot for bounce house business insurance. It also offers the most affordable rates overall for bounce castle companies. The company offers the most affordable professional liability policies with an average monthly rate of $53, which is attractive for cleaners due to the high risk of claims for this coverage.
The Hartford also ranked second overall for customer experience, earning high ratings from over 10,000 customers across various industries and coverage types. It also has an A+ from AM Best for financial stability, which is the best in our study.
2. biBerk
pros
Online convenience
Cheapest general liability insurance rates
cons
Limited specialized coverage options
Limited availability for most policies
COMPANY HIGHLIGHTS
biBerk has established itself as a competitive option in the bounce house insurance market by focusing on streamlined coverage solutions and user-friendly service. It offers attractive rates for professional liability insurance, helping bounce house owners secure necessary protection against industry-specific risks.
biBerk's straightforward approach resonates well with small business owners, as reflected in positive customer feedback. It has an efficient online platform and simplified application process. This combination of competitive pricing and hassle-free service delivery makes biBerk an appealing choice for bounce house owners.
3. NEXT
pros
Best customer service experience
Large coverage selection
cons
Slower quote times than competition
Less affordable overall
Lower financial stability ratings
COMPANY HIGHLIGHTS
NEXT is the third place provider for bounce house companies, combining excellent customer service and comprehensive coverage. Despite having under 10 years of experience, NEXT has received a 4.7 out of 5.0 rating from over 3,000 customers, showing its commitment to providing quality care for its customers. It also offers the second cheapest rates for professional liability insurance.
Cheapest Business Insurance for Bounce House Firms
Based on our study of business insurance pricing, biBerk offers the cheapest overall commercial insurance for bounce house companies across most policy types. However, this applies only to bounce house companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Bounce House Companies
With an average monthly rate of $58, biBerk offers the lowest-cost general liability insurance for bounce house companies. Even so, consider getting quotes from the next-most-affordable insurers: The Hartford and Coverdash.
| biBerk | $58 | $698 |
| The Hartford | $60 | $718 |
| Coverdash | $69 | $832 |
| Simply Business | $69 | $833 |
| NEXT | $71 | $849 |
| Progressive Commercial | $72 | $863 |
| Thimble | $77 | $922 |
| Hiscox | $79 | $945 |
| Chubb | $80 | $957 |
| Nationwide | $80 | $961 |
Cheapest Workers' Comp Insurance for Bounce House Companies
For bounce house businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $17 per month or $206 yearly. Still, quotes from other low-cost insurers like Progressive Commercial, Simply Business, Hiscox and The Hartford are worth checking.
| Thimble | $17 | $206 |
| Hiscox | $19 | $230 |
| Progressive Commercial | $19 | $222 |
| Simply Business | $19 | $230 |
| The Hartford | $19 | $234 |
| biBerk | $20 | $243 |
| Coverdash | $20 | $236 |
| NEXT | $20 | $240 |
| Nationwide | $22 | $259 |
| Chubb | $23 | $278 |
Cheapest Professional Liability Insurance for Bounce House Companies
The Hartford offers the most affordable professional liability insurance options for bounce house companies, with low average monthly rates of $53. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial and Thimble.
| The Hartford | $53 | $631 |
| NEXT | $55 | $662 |
| Progressive Commercial | $56 | $674 |
| Thimble | $58 | $699 |
| Hiscox | $59 | $704 |
| Simply Business | $59 | $705 |
| Coverdash | $60 | $715 |
| biBerk | $61 | $735 |
| Nationwide | $63 | $760 |
| Chubb | $69 | $823 |
Cheapest BOP Insurance for Bounce House Companies
biBerk provides the most affordable business owner's policy (BOP) coverage for bounce house companies, with an average yearly cost of $906 for bundled general liability and property protection. That's a savings of roughly $17 annually compared to The Hartford, the second most affordable option.
| biBerk | $75 | $906 |
| The Hartford | $77 | $923 |
| Coverdash | $100 | $1,204 |
| NEXT | $102 | $1,223 |
| Simply Business | $104 | $1,253 |
| Progressive Commercial | $109 | $1,303 |
| Hiscox | $118 | $1,416 |
| Thimble | $118 | $1,414 |
| Chubb | $120 | $1,444 |
| Nationwide | $120 | $1,445 |
What Type of Coverage Do You Need for a Bounce House Business?
Most companies with employees are legally required to carry workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. A surety bond may also be necessary in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED BOUNCE HOUSE BUSINESS COVERAGE
General liability insurance is recommended for bounce house companies since it covers common risks like bodily injury, property damage, and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. It’s helpful for bounce house businesses with commercial contracts or high-risk jobs, like technical, legal or customized services.
How to Get the Best Cheap Business Insurance for Your Bounce House Company
In the section below, we have a guide for you to find the best and cheapest business insurance for your bounce-house company.
- 1
Decide on coverage needs before buying
Consider risks specific to your business for claims, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you an idea on your coverage needs and prevent you from being convinced to get excessive coverage.
- 2
Research costs
Find average costs for your business profile and determine which providers offer the cheapest rates overall. This will give you a measuring stick for how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
Research what customers say on online rating sites and forums for a more comprehensive look at company services. Also, to align with your coverage needs and future ones, research coverage options to ensure you're covered for the right items.
- 4
Compare multiple quotes through different means
Pricing differs by your comparison method, whether with captive agents, comparison sites, company websites or independent agents. Compare multiple quotes from different places.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Bounce House Business's Liability Risk
Reducing risks in your bounce house business helps keep liability claims low and manage insurance costs effectively. We've organized practical strategies according to your business's risk level, allowing you to tailor your approach to risk mitigation.
Bounce House Business Risk Type | Included Types of Bounce House Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | Giant water slides (20+ feet), extreme obstacle courses, multi-story bounce complexes, mechanical bull rentals, bungee runs, rock climbing walls |
|
Moderately high | Medium water slides (10-20 feet), combo bounce houses with slides, interactive games, sports inflatables (boxing, jousting), dunk tanks |
|
Moderate | Standard bounce houses, small slides (under 10 feet), bounce house combos, toddler inflatables, party packages with multiple units |
|
Moderately low | Small bounce houses, moonwalks, party tent rentals, table and chair packages, basic party supplies |
|
Lowest | Consultation services, party planning advice, equipment recommendations, reservation management, non-inflatable party supplies |
|
Best Insurance for Bounce House Business: Bottom Line
The Hartford is the best bounce house business insurance insurer, offering top-rated coverage and the most affordable rates. We also recommend getting quotes from biBerk, NEXT and Simply Business.
Bounce House Business Insurance: FAQ
Find answers to frequently asked questions about bounce house business insurance in the following section.
Who offers the best bounce house business insurance overall?
The Hartford provides the top insurance for bounce house companies, excelling in stability and earning an impressive MoneyGeek score of 96 out of 100. biBerk follows closely.
Who has the cheapest business insurance for bounce house companies?
Here are the most affordable business insurance providers for bounce house companies by coverage type:
- Cheapest general liability insurance: biBerk at $58 monthly
- Cheapest workers' comp insurance: Thimble at $17 monthly
- Cheapest professional liability insurance: The Hartford at $53 monthly
- Cheapest BOP insurance: biBerk at $75 monthly
What business insurance is required for bounce house organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for bounce house businesses. While not legally mandated, most commercial clients and property leases require general liability insurance and surety bonds.
How much does bounce house business insurance cost?
Business insurance costs for bounce house businesses vary depending on the type of coverage. We've broken down costs for commonly needed coverage for small businesses:
- General Liability: $83 per month
- Workers Comp: $123 per month
- Professional Liability: $102 per month
- BOP Insurance: $157 per month
How We Chose the Best Bounce House Business Insurance
We selected the best business insurer for bounce-house companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 27, 2025.
- NEXT. "Customer Reviews." Accessed June 27, 2025.