Monthly costs for bounce house business insurance average $68, with prices from $35 to $123 based on your location and coverage needs.
Get matched with cheap bounce house business insurance below.
Updated: October 13, 2025
Advertising & Editorial Disclosure
Bounce house business insurance costs $414 to $1,475 annually, varying by coverage type, state and sub-industry.
Your bounce house insurance rates depend on your location, past claims and employee headcount.
Shop multiple business insurers, bundle coverage, raise deductibles and pay yearly to lower bounce house insurance expenses.
We found average business insurance costs for bounce house companies for commonly needed coverage are as follows:
| BOP | $104 | $1,249 |
| General Liability | $70 | $846 |
| Professional Liability (E&O) | $59 | $709 |
| Workers' Comp | $40 | $483 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your bounce house business insurance cost for general liability coverage varies dramatically by location. Maine leads with the lowest rates at $61 monthly compared to the $70 national average, while New York reaches $82 monthly.
| Alabama | $69 | $829 |
| Alaska | $63 | $756 |
| Arizona | $67 | $801 |
| Arkansas | $68 | $813 |
| California | $79 | $944 |
| Colorado | $70 | $840 |
| Connecticut | $77 | $920 |
| Delaware | $76 | $908 |
| Florida | $76 | $917 |
| Georgia | $72 | $860 |
| Hawaii | $74 | $884 |
| Idaho | $67 | $803 |
| Illinois | $77 | $930 |
| Indiana | $69 | $826 |
| Iowa | $67 | $806 |
| Kansas | $69 | $823 |
| Kentucky | $65 | $785 |
| Louisiana | $79 | $947 |
| Maine | $61 | $734 |
| Maryland | $67 | $808 |
| Massachusetts | $74 | $889 |
| Michigan | $67 | $802 |
| Minnesota | $66 | $795 |
| Mississippi | $71 | $851 |
| Missouri | $70 | $836 |
| Montana | $70 | $843 |
| Nebraska | $67 | $802 |
| Nevada | $80 | $959 |
| New Hampshire | $70 | $842 |
| New Jersey | $80 | $960 |
| New Mexico | $71 | $852 |
| New York | $82 | $985 |
| North Carolina | $61 | $734 |
| North Dakota | $61 | $736 |
| Ohio | $65 | $786 |
| Oklahoma | $65 | $785 |
| Oregon | $66 | $787 |
| Pennsylvania | $81 | $977 |
| Rhode Island | $78 | $931 |
| South Carolina | $73 | $873 |
| South Dakota | $66 | $792 |
| Tennessee | $69 | $826 |
| Texas | $71 | $855 |
| Utah | $67 | $805 |
| Vermont | $68 | $813 |
| Virginia | $64 | $771 |
| Washington | $80 | $963 |
| West Virginia | $74 | $889 |
| Wisconsin | $69 | $831 |
| Wyoming | $65 | $783 |
Note: We based these general liability rates on bounce house businesses with two employees across different states. Your rates will vary based on your services, claims history and the number of employees.
Your bounce house business will have different workers' compensation insurance rates depending on your state. North Carolina offers the most affordable option at $35 monthly, while New York reaches $47 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $40 |
| Alaska | $37 |
| Arizona | $38 |
| Arkansas | $38 |
| California | $45 |
| Colorado | $40 |
| Connecticut | $44 |
| Delaware | $44 |
| Florida | $43 |
| Georgia | $40 |
| Hawaii | $43 |
| Idaho | $38 |
| Illinois | $44 |
| Indiana | $39 |
| Iowa | $38 |
| Kansas | $39 |
| Kentucky | $38 |
| Louisiana | $46 |
| Maine | $35 |
| Maryland | $39 |
| Massachusetts | $42 |
| Michigan | $38 |
| Minnesota | $38 |
| Mississippi | $40 |
| Missouri | $40 |
| Montana | $40 |
| Nebraska | $38 |
| Nevada | $46 |
| New Hampshire | $40 |
| New Jersey | $45 |
| New Mexico | $40 |
| New York | $47 |
| North Carolina | $35 |
| Oklahoma | $37 |
| Oregon | $37 |
| Pennsylvania | $46 |
| Rhode Island | $44 |
| South Carolina | $41 |
| South Dakota | $38 |
| Tennessee | $40 |
| Texas | $40 |
| Utah | $39 |
| Vermont | $39 |
| Virginia | $36 |
| West Virginia | $42 |
| Wisconsin | $39 |
Note: We based these workers' comp rates on bounce house businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost will vary by state. Business owners pay an average of $59 monthly for this coverage nationwide. North Carolina offers the most affordable rates, at $51 monthly, while New York has the highest costs, at $69 monthly.
| Alabama | $57 |
| Alaska | $53 |
| Arizona | $57 |
| Arkansas | $57 |
| California | $66 |
| Colorado | $58 |
| Connecticut | $62 |
| Delaware | $63 |
| Florida | $63 |
| Georgia | $61 |
| Hawaii | $61 |
| Idaho | $56 |
| Illinois | $66 |
| Indiana | $57 |
| Iowa | $56 |
| Kansas | $58 |
| Kentucky | $55 |
| Louisiana | $67 |
| Maine | $53 |
| Maryland | $56 |
| Massachusetts | $63 |
| Michigan | $56 |
| Minnesota | $56 |
| Mississippi | $58 |
| Missouri | $57 |
| Montana | $58 |
| Nebraska | $55 |
| Nevada | $68 |
| New Hampshire | $59 |
| New Jersey | $68 |
| New Mexico | $59 |
| New York | $69 |
| North Carolina | $51 |
| North Dakota | $53 |
| Ohio | $55 |
| Oklahoma | $56 |
| Oregon | $54 |
| Pennsylvania | $67 |
| Rhode Island | $66 |
| South Carolina | $62 |
| South Dakota | $56 |
| Tennessee | $57 |
| Texas | $58 |
| Utah | $56 |
| Vermont | $58 |
| Virginia | $55 |
| Washington | $68 |
| West Virginia | $62 |
| Wisconsin | $58 |
| Wyoming | $55 |
Note: We based these professional liability rates on bounce house businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Your bounce house business insurance costs vary based on your state's BOP insurance cost requirements. Monthly premiums range from $89 in North Dakota to $123 in New York for the same coverage.
This wide variation reflects different state regulations, claim frequencies and market conditions. Business owners in the Peace Garden State benefit from the lowest rates, while Empire State operators face the highest costs nationwide.
| Alabama | $102 |
| Alaska | $93 |
| Arizona | $100 |
| Arkansas | $98 |
| California | $114 |
| Colorado | $104 |
| Connecticut | $114 |
| Delaware | $112 |
| Florida | $112 |
| Georgia | $105 |
| Hawaii | $109 |
| Idaho | $100 |
| Illinois | $114 |
| Indiana | $103 |
| Iowa | $98 |
| Kansas | $99 |
| Kentucky | $97 |
| Louisiana | $116 |
| Maine | $91 |
| Maryland | $98 |
| Massachusetts | $111 |
| Michigan | $98 |
| Minnesota | $99 |
| Mississippi | $106 |
| Missouri | $102 |
| Montana | $105 |
| Nebraska | $98 |
| Nevada | $118 |
| New Hampshire | $103 |
| New Jersey | $119 |
| New Mexico | $103 |
| New York | $123 |
| North Carolina | $92 |
| North Dakota | $89 |
| Ohio | $97 |
| Oklahoma | $97 |
| Oregon | $97 |
| Pennsylvania | $121 |
| Rhode Island | $115 |
| South Carolina | $105 |
| South Dakota | $98 |
| Tennessee | $104 |
| Texas | $106 |
| Utah | $98 |
| Vermont | $99 |
| Virginia | $93 |
| Washington | $120 |
| West Virginia | $108 |
| Wisconsin | $104 |
| Wyoming | $99 |
Note: We based these BOP rates on bounce house businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Bounce house business insurance costs vary by provider, ranging from $57 to $79 monthly. These price differences reflect each insurer's market focus and risk assessment strategies, which evolve based on profitability and coverage expansion opportunities within specific business sectors.
| Chubb | $79 | $951 |
| Coverdash | $68 | $814 |
| Hiscox | $74 | $893 |
| NEXT Insurance | $66 | $786 |
| Nationwide | $78 | $931 |
| Progressive Commercial | $69 | $834 |
| Simply Business | $68 | $816 |
| The Hartford | $57 | $680 |
| Thimble | $74 | $883 |
| biBERK | $59 | $712 |
Several factors affect your bounce house business insurance costs when insurers calculate your premium rates.
Where you operate has major implications for insurance pricing. Bounce house companies in states with high personal injury lawsuit rates pay considerably more than those in tort reform states. Seasonal weather patterns also matter. Businesses in year-round warm climates maintain steady operations and different risk profiles than those in areas where winter shuts down outdoor events for months.
Your incident history weighs heavily on premium calculations. A serious injury claim from a deflated unit or improperly secured inflatable can impact your rates for the next several years. Companies maintaining injury-free operations with documented safety protocols and regular equipment inspections receive preferential treatment, while those with frequent minor claims may face non-renewal at policy expiration.
The venues and occasions you serve alter your risk exposure considerably. Backyard birthday parties for young children carry different liability than school carnivals with hundreds of attendees or corporate events with adults.
Companies servicing water slide rentals, obstacle courses, or mechanical bull rides face substantially higher premiums than those renting only standard bounce houses.
Your workforce composition affects workers' comp and liability costs. Solo operators who handle all deliveries and setup personally maintain lower overhead, while companies employing delivery crews and event attendants see premiums climb with each team member added.
Your annual income reflects operational scale and insurance needs accordingly. A part-time operator with two units earning $25,000 yearly faces minimal premiums, whereas an established company maintaining 50+ inflatables and grossing $400,000 requires extensive coverage.
The liability limits you select create premium differences. While some operators start with $1 million in coverage, many venues and event organizers now require a minimum of $2 million.
Commercial general liability forms the foundation, but equipment coverage, inland marine protection, and umbrella policies for catastrophic incidents can push total insurance costs well beyond basic liability premiums.
Personal creditworthiness influences what you'll pay for coverage. Bounce house operators with excellent credit scores benefit from discounts that can reduce premiums by 25% to 40%.
Managing your bounce house company’s insurance expenses starts with smart choices, and our step-by-step guide makes the process simple. Use it to find cheap business insurance tailored to your agency while building a stronger risk profile for the future.
Bounce house companies face injury risks requiring robust protection. You need general liability with high limits ($2 million + recommended), inland marine coverage for your inflatables during transport and setup, commercial auto for delivery vehicles and equipment breakdown coverage.
Many venues now require $2 million to $5 million in liability before allowing rentals on their property.
Standard business insurers often decline bounce house coverage or charge excessive premiums due to injury frequency.
Specialty carriers who understand amusement and party rental risks can offer better rates and actually know how to underwrite inflatable-specific exposures like wind damage and supervision issues.
Combining general liability, inland marine for equipment, and commercial auto through one carrier saves 20% to 30%. Some insurers offer party rental packages that include both your inflatables and related equipment like generators, blowers, and stakes in one bundled policy.
Bounce house companies often face frequent small equipment claims for tears, stains, or blower issues. Higher deductibles ($2,500 to $5,000) on property coverage can cut premiums, but keep liability deductibles low since injury claims can escalate quickly even with signed waivers.
Paying annually eliminates monthly fees and lets you secure rates during winter when you're not generating revenue. This strategy can save 5% to 10% on premiums and ensures your coverage is locked in before your busy spring and summer season when cash flow is tight from equipment purchases.
Each new bounce house, water slide or obstacle course adds to your insured value and liability exposure.
Annual reviews help you adjust inland marine limits for new inventory, ensure liability coverage matches your event scale, and add coverage for specialty items like foam pits or interactive games.
Bounce house business insurance usually costs between $35 and $123 per month, though your premium will vary based on factors like location, business size, and claims history. You can save money by comparing quotes from multiple insurers, bundling policies, selecting higher deductibles, and paying annually instead of monthly.
Bounce house business owners commonly ask about insurance costs. We answered the most frequent questions below:
Workers' compensation costs just $40 monthly but only covers employee injuries. Most bounce house businesses require general liability coverage at $70 monthly since it protects against customer injuries and property damage lawsuits.
You'll pay more in these states. General liability in California runs $79 monthly (vs. $70 national average), and BOP costs $114 monthly (vs. $104 average). New York is similar at $82 and $123, respectively.
Bundling delivers greater savings compared to purchasing individual policies. Most insurance companies provide discounts when you package general liability, commercial auto coverage and commercial property insurance with a single provider.
Multiple factors increase premiums: past liability claims, high-risk locations, extensive equipment inventory, larger staff sizes, additional services like water slides, poor safety records and unfavorable credit history.
Higher deductibles reduce monthly premiums, though you'll cover more costs per claim. Consider your available cash reserves and anticipated claim frequency when deciding.
Workers' compensation costs for bounce house businesses vary by state, spanning from $35 monthly in North Carolina to $47 monthly in New York.
Yes, BOP insurance is worth it for bounce house companies. BOP costs $104 monthly and bundles general liability, commercial property and business interruption coverage together. This package deal saves money compared to purchasing separate policies while offering valuable convenience.
Shop annually when your policy renews. Comparing quotes from multiple insurers can uncover savings, especially after business changes like new hires or expanded services.
We collected bounce house business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small bounce house business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the bounce house industry.
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.
