Slip-and-Slide Insurance

Who needs slip-and-slide insurance

Slip-and-slides are the lowest-profile water inflatable but generate a disproportionate share of injury claims for one reason: head-first entry. Carriers want explicit posted rules, attendant supervision, and a clear age range posted at the entrance. We schedule slip-and-slide units on the policy under water-attraction language so claims are not denied for unscheduled water exposure. Operators bundling slip-and-slides with bounce houses should make sure the policy lists each class — generic inflatable insurance does not always include water-attraction wording.

What makes slip-and-slide underwrite differently

• Head-first entry causing neck and shoulder injuries dominates the claim count
• Run-out length and footing — most slip-and-fall claims happen at the bottom, not on the slide
• Saturated grass shifts anchor points; anchor pullout is more common on wet ground
• Posted entry rules and attendant supervision both lower frequency and tighten claim defense
• Water-attraction percentage is its own underwriting input separate from dry-only operations

What this coverage includes

• Bodily injury — third-party medical and legal costs from injuries during use, setup, or takedown.
• Property damage — damage your operations cause to a venue or third-party property.
• Products and completed operations — claims arising after you finish the event and leave.
• Inland marine (optional) — coverage for the slip-and-slide units themselves while in transit, at the warehouse, or set up.
• Commercial umbrella (optional) — extra layer above primary GL.

What it does NOT cover

• Employee injuries — workers compensation
• Delivery vehicles — commercial auto
• Damage to your warehouse — commercial property
• Mistakes in advice or planning — professional liability / E&O
• Intentional acts or assault
• Equipment you did not schedule on the policy

Annual coverage vs. one-day events

We write annual commercial general liability — not one-day event coverage. Annual coverage gives you continuous protection between events, simpler certificate workflows, and better long-term rates than buying one-day policies repeatedly. Most operators with more than four events per year save money on annual coverage.

Common venue requirements

• Certificate of insurance with $1M per occurrence / $2M aggregate (typical)
• Venue named as additional insured on the COI
• Waiver of subrogation
• 30-day notice of cancellation
• Some county parks and school districts require named additional insured plus a primary and non-contributory endorsement

What affects your premium

• Annual revenue
• Inventory size (number and class of units owned)
• Claims history (loss runs)
• Years in business
• State of operation
• Employee count and use of subcontractors
• Event types served (private parties versus public events versus school districts)

Frequently asked questions