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It turns out that jumping out at guests, revving a chainsaw or flashing lights could scare your insurance company into charging higher rates. So you might have to pick and choose your favorite scares. On the flipside, you could save on losses like a canceled event or damaged equipment if you use an event policy that specializes in that coverage.
Don’t get spooked by unplanned damage at your haunted house or corn maze. Instead, plan ahead with coverage like:
Since many haunted attractions have similar liability needs, coverage for each event might look similar, with general coverage for liability and damages.
However, you’ll need to add or adjust coverage based on the specific stunts, performances and scares you have at your event. For example, you might need extra coverage for a musical concert or ax-throwing event.
Event insurers cover many types of haunted attractions including:
Event insurance for a haunted attraction ranges between $500 and $20,000, depending on the type of attractions and coverage you choose.
While coverage, limits and deductibles affect cost, your premium could spike the most based on the scares you’re planning. High-risk attractions include:
Stay extra-vigilant when thinking through the risks of a haunted attraction. Areas where you may need to watch your step:
Your decked-out attraction could see a frightening premium if you include many scary stunts and acts. To lower that cost, you’ll either need to tone down the spook level or consider several insurers for the best rate.
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