What is the minimum revenue threshold to work with Pro Insurance Group for FEC coverage?

We typically serve FEC operators with annual revenue of $100,000 or more, though we make exceptions for operators with strong commercial fundamentals (real estate ownership, multi-year leases, employee payroll, established business plans) even when revenue is below that threshold. Pre-revenue operators and very small operations (under $50,000 in annual revenue) are generally better served by online direct-to-consumer policies or specialty programs designed for small operators.

Why does FEC insurance cost so much more than standard commercial insurance?

FEC operations carry significantly elevated participant injury exposure compared to standard commercial businesses. Trampoline parks, inflatables, paintball, mechanical rides, and similar attractions involve physical activity by guests in environments with inherent injury risk. Claims frequency and severity in the FEC class are higher than in office or retail businesses, which drives premium pricing. The specialty carrier market that writes FEC risk also has fewer competitors than standard commercial markets, which further influences pricing.

Do I need separate policies for each attraction at my FEC?

No. For multi-attraction FEC operators, we structure a single coordinated commercial insurance program that covers all attractions under one general liability policy with appropriate endorsements for each attraction type. Trying to maintain separate policies for each attraction creates coverage gaps where one policy ends and another begins. The right structure is a unified program with attraction-specific endorsements and risk classifications.

How long does it take to get an FEC insurance quote?

For standard operations with normal claims history, expect 5-10 business days from completed application to firm quotes from multiple carriers. Complex operations (multi-location, unusual attractions, prior claim activity) may take 2-3 weeks. Once you submit the intake form, you will receive a follow-up communication within 1-2 business days to discuss your operation and request the underwriting information required to obtain quotes.

What documentation will I need to provide for an FEC insurance quote?

Standard documentation includes: completed underwriting application (we provide), 3-5 years of claims history (loss runs from current and prior carriers), current declarations pages from existing policies, financial information (revenue, payroll, gross receipts), photos of your facility and attractions, copies of waivers and participant agreements, staff training documentation, and safety/maintenance procedures. We provide a complete checklist after your intake form submission.

Can you write coverage for FEC operations in states other than Illinois?

Yes. Pro Insurance Group is licensed in 40+ states and writes FEC coverage nationally. The carrier appetite varies by state, but for most FEC classes we have multiple market options across the country. Operators in California, Texas, Florida, New York, and other major markets are routinely written through our specialty carrier panel.

What happens after I submit the intake form?

After submission, you receive an immediate automated confirmation along with a detailed underwriting questionnaire specific to your operation type. A specialist on our commercial team contacts you within 1-2 business days to discuss your operation, answer questions, and confirm the underwriting information needed. Once we receive completed underwriting information, we submit to the appropriate carriers and typically have firm quotes back to you within 5-10 business days.

Family Entertainment Center Insurance: 2026 Coverage & Cost Guide

40+

States covered

Attraction classes

Independent

Multiple carriers

Specialists

FEC programs

Quick Answer: Family entertainment center insurance bundles general liability, property, equipment breakdown, liquor, and commercial umbrella into one program priced to your attraction mix. Most FEC operators pay $3,500 to $120,000+ a year, depending on size, attractions, and revenue.

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Insurance for every attraction under your roof

From a single bounce-house rental to a multi-attraction entertainment complex, choose your operation for coverage, limits, and real 2026 cost ranges, or get one blended program across all of them.

🎪

Bounce House & Inflatable

Bounce houses, inflatable parks & rental fleets

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⛳

Golf, Mini-Golf & Simulators

Mini-golf, driving ranges & simulator lounges

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🕹️

Arcade & Game Room

Arcades, barcades & redemption floors

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🪓

Axe Throwing

Walk-in venues & mobile operators

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🤠

Mechanical Bull

Mobile, event & venue-based operators

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🤸

Trampoline Park

Jump courts, foam pits & ninja courses

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🔑

Escape Room

Single & multi-room facilities

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🔨

Rage Room

Smash rooms & multi-activity venues

View coverage & cost →

🎯

Paintball

Outdoor fields & indoor arenas

View coverage & cost →

🏁

Go-Kart Track

Indoor & outdoor karting operations

View coverage & cost →

🧗

Rock Climbing Gym

Bouldering & full climbing gyms

View coverage & cost →

Run more than one attraction?

We build a single blended FEC program that prices every attraction by its own risk class, no stacking separate policies.

Get My Free Quote Call 833-776-4671

What your FEC policy covers

The coverages that protect an attraction business. Tap any line to see how it works.

General Liability

Participant injuries, slips, and spectator claims, the core of every FEC policy.

Commercial Property

Your building, attractions, and equipment against fire, theft, and weather, including equipment breakdown.

Liquor Liability

Essential the moment you serve alcohol at a bar, party, or event.

Business Income

Replaces lost revenue if a covered shutdown closes your doors.

Workers Compensation

Covers staff injuries and meets state requirements when you have employees.

Commercial & Hired Auto

Party buses, box trucks, and employees driving for your business.

Commercial Umbrella

Extra liability limits above your policies, often required by landlords.

Abuse & Molestation

Critical protection for any venue that serves children and families.

What FEC insurance costs in 2026

Pricing varies by operator size, attraction mix, revenue, location, and claims history. Here is where most of our FEC book lands.

Operator Type	Typical Annual Premium
Single attraction / rental operator	$3,000 – $9,500
Single-attraction indoor FEC	$6,500 – $18,000
Trampoline park (single location)	$15,000 – $45,000
Multi-attraction FEC (3–5 attractions)	$25,000 – $65,000
Large multi-attraction FEC + food/bar	$45,000 – $120,000+

Estimates only. Your exact premium depends on revenue, attractions, location, required limits, safety protocols, and loss history, and is confirmed by a Pro Insurance Group producer. See full cost breakdowns on each attraction page above.

Why FEC operators choose Pro Insurance Group

Independent market access

We compare top-rated specialty carriers on coverage and price, not one company's products.

FEC specialists

We write amusement and attraction risk every day and know how underwriters price each class.

Claims & risk partnership

Waiver review, safety guidance, and a licensed advisor who manages your claims, not a call center.

Real humans

One advisor owns your account from quote through renewal, certificates, and claims.

What our clients say

Frequently asked questions

What does family entertainment center insurance cover?

It bundles general liability (participant injury), commercial property and equipment breakdown, business income, workers compensation, commercial and hired/non-owned auto, liquor liability, abuse and molestation, and commercial umbrella into one program built around your attraction mix.

How much does FEC insurance cost in 2026?

Most operators pay $3,500 to $120,000+ per year. A single small attraction or rental operator starts around $3,000, a single-attraction indoor FEC runs $6,500 to $18,000, and large multi-attraction venues with food and alcohol reach $45,000 to $120,000 or more.

Do I need liquor liability for my FEC?

Yes, the moment you serve or sell alcohol at a party, event, or on-site bar. It is separate from general liability and is one of the most common coverage gaps we find on FEC policies.

Can one policy cover multiple attractions?

Yes. We build a single blended program that prices each attraction by its risk class, so a venue with go-karts, an arcade, and a trampoline court carries one coordinated policy instead of several.

Can you insure a brand-new or startup FEC?

Yes. We place coverage for new ventures and operations under construction. Startups should expect underwriters to focus on safety protocols, waivers, staff training, and projected revenue.

Get a program built around your attractions

Tell us what you operate and a licensed advisor will identify your exposures, shop specialty carriers, and put a complete FEC program in front of you. No pressure.

Get My Free Quote Call 833-776-4671

Reviewed by Neal Fusco, VP Commercial Lines

25+ years building commercial and specialty insurance programs across Illinois and 40+ states.

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