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Business Liability Insurance for Inflatables

Our commercial grade customer base is always asking for more information on liability insurance for their inflatables. Being in the business of supplying premium quality commercial inflatables and not insurance, we found this question to be a little difficult to answer on our own.

When we decided to create a blog post about liability insurance for inflatables, we knew we’d want to get information straight from the source. We’re excited to present to our readers a guest post, written by Clark Edwards, Field Underwriter at Evolution Insurance Brokers and Prime Insurance Co.


Business Liability Insurance for Inflatables

If you charge the public for the use or rental of inflatable recreational products, it is essential that you purchase Commercial General Liability (CGL) insurance. Without liability insurance coverage, you are at risk of incurring expenses for legal defense and liability settlements. You could lose some or all of your assets in a lawsuit.

Liability waivers are not a substitute for liability insurance. Even the best waiver can be challenged, which would at the very least result in you paying for your own legal defense costs. Should it be necessary to pay a settlement, that expense would also have to come out of pocket.

In the event of a lawsuit, your liability insurance company would provide you with experienced, professional legal defense and pay any settlement necessary up to the limits of the policy. It is not possible to predict what limits of liability are adequate, but obviously the higher your limits are, the less likely it is that those limits would be exceeded by a claim settlement. If your insurance limits should be exceeded, the remainder of any settlement would have to come from your own assets. It would be wise to get prices for various limits of liability and purchase as much coverage as you are able to afford.

Here are some things to consider other than just price when looking for an insurance company to provide you with liability coverage:

  • What is their financial rating? (Look for some grade of an “A” rating from A.M. Best.)
  • How long have they been in business? Are the likely to stay in business?
  • What is their reputation for claims handling? Do they tend to just “roll over” and pay claims, or perhaps not pay when needed? Or do they aggressively defend claims?
  • Do they offer pay plans to ease the expense of purchasing coverage?

The premiums charged for this type of commercial liability insurance are often influenced by judgment factors. Commercial liability insurance is not like personal Auto or Homeowners insurance where a company’s rates are filed and fixed. Commercial underwriters can decrease or increase the premiums charged depending on how they view your business practices. For example, you can get the best rates available from an insurer by showing that you: 1) utilize well written waivers: 2) have effective written safety and training programs; 3) meet or exceed all industry standards; and 4) document good equipment maintenance practices. Demonstrating smart, careful, and safe business procedures to insurance underwriters can result in lower costs for you.


If you’re in need of Business Liability Insurance for Inflatables, please don’t hesitate to reach out to Mr. Edwards! You can find his contact information below:

Clark Edwards, Field Underwriter
Evolution Insurance Brokers and Prime Insurance Co.
clarke@eibdirect.com
(801) 304-3703

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Without liability insurance coverage, you are at risk of incurring expenses for legal defense and liability settlements.
What is an inflatable? Blast Zone has the answers!

What is an inflatable?

What is an inflatable? Blast Zone has the answers!
What is an inflatable anyway?

What is an inflatable?

Inflatables, also known as bouncers, jumpers, or moonwalks, are air supported structures typically used for birthday parties and other events. While a popular theme among inflatables is a castle theme, Blast Zone inflatables come in a huge range of themes, color schemes, shapes, and applications.

Inflatables work by connecting a blower that runs continuously while the inflatable is in use. The blower is constantly turning and pumping out plenty of air to not only inflate the attached bouncer or slide, but also to support players as they bounce or slide about.

Blast Zone inflatables always come with the required blower included, and everything needed to set them up. That includes the inflatables themselves, the blower motor, anchoring stakes, an instruction manual, a repair kit, and a storage bag or cinching straps, depending on the model. Water inflatables would also include a sprayer kit which is compatible with a standard garden hose.

Blast Zone Inflatables Come in Various Types

Blast Zone inflatables come in two different grades to suit just about any need. The home-use line boasts a huge selection of backyard bouncers, slides, combos, and inflatable play parks. Families with a home-use inflatable have their very own bouncer on-hand for birthdays, holiday parties, or your standard summer fun.

For business owners, Blast Zone offers a diverse line of commercial grade inflatables. Blast Zone’s commercial inflatables are built to be versatile and very durable. They’re perfect for any commercial application. From schools, day care centers, and church events to party rentals and indoor bounce centers, Blast Zone’s commercial selection has something for everyone.

With Blast Zone’s water inflatables, available in both home-use and commercial grade, summer boredom becomes a thing of the past. Water inflatables are hugely popular during the summer months. Because some of the larger water inflatables can be used wet or dry, these awesome slides and play parks can also be used for year round fun.

 

Blast Zone Inflatables are Easy to Setup and Use

For those expecting a complicated setup, guess again! Blast Zone inflatables are notoriously easy to setup. The process consists of unboxing, unrolling, attaching the blower and tying off any extra vents. From there you simply turn it on. Most of the home-use bouncers and slides inflate in a minute or so, and after inflating, anchoring is the final step.

Inflatables are typically anchored using either ground stakes or sandbags for weighted anchoring. Thanks to the option of sandbags for weighted anchoring, Blast Zone Inflatables can also be used indoors to help beat the heat or to chase away the rainy-day blues.

Some of Blast Zone’s most popular inflatables are nice and compact, like the Magic Castle Bounce House. This means they can typically be transported and setup by just one person! Even in the case of commercial inflatables, where you may need some extra helping hands or a hand truck to assist with the transportation of heavier items, setup is just as simple.

The operation of Blast Zone Inflatables consists of a setup which can be completed in minutes, and adult supervision during use. They’re so easy to use, it makes sense that they’re popping up in backyards and businesses all over the US and Canada.

Blast Zone Inflatables are a great way to get kids active

Because kids today spend so much time in front of screens, bouncing makes for an awesome alternative. Blast Zone Inflatables are a great excuse to get kids outside to enjoy some fresh air. Because bouncing and sliding is so much fun, kids can get the exercise that they need without even realizing it!

Even if the weather isn’t ideal, Blast Zone inflatables can be set up in the house to keep children occupied. Protect your furniture from becoming a jungle gym! Bouncing on couches, chairs, or beds is less appealing when there’s an actual bounce house right there in the living room!

As long as they are properly anchored and you have the space, any Blast Zone Inflatable can be used indoors or outside.

Blast Zone Inflatables often pay for themselves

When most people think about inflatables, they think birthday parties. While inflatables can be used to entertain for just about any occasion, they’re always a hit at a birthday celebration. If you’ve ever rented a bouncer before, you know that rental costs can really add up, especially if you’re having a party more than once a year.

Most home use inflatables end up paying for themselves after just a few uses. Inflatable water parks bring the amusement park to your own back yard, saving families a ton on travel and admission costs. Many find that when they own their own inflatable, they’ll break it out every weekend, if not every day, just because they can!

When it comes to commercial grade inflatables, the payback is even more apparent. Many rental companies can earn back the cost of their commercial inflatable in no time, depending on the frequency that it is being rented out. Summer camps, day cares, churches, and schools often find that a having a commercial inflatable in their arsenal increases the fun for everyone involved, and might even make their organization even more appealing to new members.

Blast Zone inflatables come in many shapes and sizes.
Blast Zone has an inflatable for every occasion!

What are inflatables? Inflatables are a no-brainer!

Blast Zone Inflatables are colorful, exciting, easy to use, and most of all, they are crowd pleasers. Because they come in so many shapes, sizes, and themes, they offer both flexibility and fun. They are easily setup and can be used indoors or outside. They allow kids to get the exercise that they need, without even realizing it. Best of all, kids expend their excess energy so bedtime is no longer a pain for parents. Little jumpers sleep soundly after a day of bouncing, sliding, and smiling wide.

Blast Zone inflatables are anything but ordinary. They offer excitement, a fun and safe play experience for kids, along with excellent quality and durability. Blast Zone not only offers the best in both home-use and commercial inflatables, they’re also backed by a warranty and a US-based customer support team that goes above and beyond industry standards.