Bounce House business insurance costs vary based on coverage type, helping you plan your budget effectively. Monthly premiums range from $40 for workers' compensation to $104 for a business owner's policy (BOP).
How Much Does Bounce House Business Insurance Cost?
Business insurance for bounce houses starts at $40 per month, but your specific business details will determine your actual rate.
Discover cheap bounce house business insurance below.
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Updated: August 21, 2025
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Key Takeaways
Bounce house business insurance costs range from $40 to $104 monthly, varying by coverage type from workers' compensation to business owner policies.
Your bounce house insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable bounce house business insurance costs.
Average Bounce House Business Insurance Cost Overall
| BOP | $104 |
| General Liability | $70 |
| Professional Liability (E&O) | $59 |
| Workers' Comp | $40 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Bounce House Business Insurance Cost for General Liability Coverage by State
Your Bounce House business general liability coverage costs vary by location. Maine offers the best rates at $61 monthly compared to the $71 national average, while New York costs $82 monthly.
| Alabama | $69 |
| Alaska | $63 |
| Arizona | $67 |
| Arkansas | $68 |
| California | $79 |
| Colorado | $70 |
| Connecticut | $77 |
| Delaware | $76 |
| Florida | $76 |
| Georgia | $72 |
| Hawaii | $74 |
| Idaho | $67 |
| Illinois | $77 |
| Indiana | $69 |
| Iowa | $67 |
| Kansas | $69 |
| Kentucky | $65 |
| Louisiana | $79 |
| Maine | $61 |
| Maryland | $67 |
| Massachusetts | $74 |
| Michigan | $67 |
| Minnesota | $66 |
| Mississippi | $71 |
| Missouri | $70 |
| Montana | $70 |
| Nebraska | $67 |
| Nevada | $80 |
| New Hampshire | $70 |
| New Jersey | $80 |
| New Mexico | $71 |
| New York | $82 |
| North Carolina | $61 |
| North Dakota | $61 |
| Ohio | $65 |
| Oklahoma | $65 |
| Oregon | $66 |
| Pennsylvania | $81 |
| Rhode Island | $78 |
| South Carolina | $73 |
| South Dakota | $66 |
| Tennessee | $69 |
| Texas | $71 |
| Utah | $67 |
| Vermont | $68 |
| Virginia | $64 |
| Washington | $80 |
| West Virginia | $74 |
| Wisconsin | $69 |
| Wyoming | $65 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Bounce House Business Insurance Cost for Workers’ Compensation Coverage by State
Your Bounce House business cost for workers' compensation varies by state. North Carolina offers the lowest rates at $35 monthly and New York the highest at $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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Bounce House Business Insurance Cost for Professional Liability Coverage by State
Your location affects your bounce house business's cost for professional liability. The national average is $60 monthly, but rates vary widely by state. North Carolina offers the lowest rates at $51 monthly, while New York charges the most for errors and omissions (E&O) insurance 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Bounce House Business Insurance Cost for BOP Coverage by State
Business owner's policy rates vary significantly for bounce house businesses by location. Monthly premiums range from $89 in North Dakota to $123 in New York.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Bounce House Business Insurance Cost
Your bounce house business insurance cost depends on multiple variables that insurers evaluate when setting your premiums. Knowing what drives these costs helps you budget more effectively.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas prone to severe storms or high winds increases your bounce house operation's risk.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single bounce house injury claim can substantially increase your general liability rates at renewal.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and bounce house operator job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A small bounce house operation with one unit and $50,000 in annual revenue pays less than a company operating multiple units with $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Bounce House Business Insurance
Finding affordable bounce house business insurance cost solutions requires strategic shopping and smart business practices. These proven methods can reduce your premiums immediately or over time as you build a better risk profile.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your bounce house operation needs prevents overpaying for unnecessary coverage. General liability insurance protects against customer injuries, while commercial property coverage safeguards your equipment. Consider workers compensation if you have employees helping with setup and supervision.
- 2
Shop multiple insurance companies
Insurance rates for bounce house businesses can vary significantly between providers. Request quotes from at least three insurance companies to find the best rates. Consider working with an independent agent who can handle comparison shopping for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability with commercial property insurance through one carrier typically costs less than splitting these coverages between different insurers.
- 4
Increase your deductibles
Choosing higher deductibles will reduce your monthly premium costs. This means you'll pay more out-of-pocket for small claims, but your ongoing insurance expenses will be lower.
- 5
Pay annually instead of monthly
Most insurance carriers add processing fees for monthly payments. Paying your full premium annually eliminates these extra charges and often qualifies you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your bounce house business grows. Review your policy yearly to ensure coverage limits match your current operations and remove any unnecessary coverage that no longer fits your business model.
Insurance for Bounce House Business Cost: Bottom Line
Bounce house insurance costs range from $40 to $104 monthly. Understanding the various factors that affect your bounce house insurance rates will help you create more accurate budget plans for your business costs.
Bounce House Business Insurance Cost: FAQ
We've compiled expert answers to the most common questions about bounce house business insurance costs to help you make informed decisions.
What is the cheapest type of bounce house business insurance?
Workers' compensation insurance costs $40 monthly, but only covers employee injuries. Most bounce house businesses need general liability coverage to protect against customer accidents and property damage claims.
How much can I save by bundling my bounce house business insurance policies?
Bundling multiple policies through a BOP offers the best value, with typical savings of 10-25% compared to purchasing separate coverage types.
What factors make my bounce house business insurance more expensive?
Several factors affect insurance costs: claims history, location risks, number of employees, equipment value and types of services provided.
Should I choose a $500 or $2,500 deductible for my bounce house business insurance?
Higher deductibles lower your monthly insurance costs, but require more cash when filing claims. Consider your available funds and claim frequency when choosing your deductible level.
How much does workers' compensation cost for bounce house businesses by state?
Workers' compensation rates for bounce house businesses range from $35 monthly in North Carolina to $47 monthly in New York, varying based on each state's requirements and risk factors.
Is business owner's policy (BOP) worth the extra cost for bounce house companies?
A BOP costs $104 monthly and bundles general liability, commercial property and business interruption coverage into one policy. This package deal saves money compared to purchasing separate insurance policies.
How often should I shop around for bounce house business insurance quotes?
Review your insurance annually at renewal time and compare at least three providers. This helps secure better rates, particularly when your business experiences changes or growth.
How We Determined Bounce House Business Insurance Costs
We collected bounce house business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small bounce house businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively 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.