Water Amusement Park Insurance

Waterpark insurance

Get Best-in-Industry Water Amusement Park Insurance Program at Affordable Rates.

Industry-leading insurance carrier provides low-cost Water Park Facility General Liability quote with the completion of one simple application.

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General Liability

  • Limits from $1 million to $5
  • Occurrence Policy Form
  • Coverage for Athletic Participants
  • Non Owned and Hired Auto option
  • Sex Abuse & Molestation option


  • Medical limits up to $25,000
  • Deductible options
  • Accidental Death & Dismemberment up to $10,000

Water amusement parks are a delightful way for people of all ages to cool off during the hot summer months and have some fun at the same time.  Parks offer wholesome family fun as well as safe entertainment for teenagers, church and social groups, birthday parties (for all ages), dating couples, and married couples.  Most parks offer water adventures that range from a waterparkwading area for toddlers to roller-coaster type tubes and waves for the older and braver.

Water amusement parks are commonly found in coastal resort areas, but are not confined to those areas.  Most are open during the daylight hours of the summer months, Memorial Day to Labor Day; those is warm climates can stay open year round. Ticket booths usually are located at the entrance.  Main areas include kiddie areas (pools and play areas), water slides, swimming pools, wave pools, and water coasters. In addition to flotation devices, water parks include snack bars/restaurants; lockers and changing areas with rest rooms; towels and chairs; and picnic areas. Some facilities serve alcohol on the premises, especially in large resorts.

Water Park General Liability Insurance and Risk Management Practices 

Risk management practices required by water amusement parks’ General Liability insurance carriers include proper inspection and maintenance of electrical equipment; proper and regular testing of pool water for contaminants; training and hiring of certified lifeguards; regular drills for evacuation procedures; CPR training and first aid equipment; Coast Guard-approved life jackets for patrons who want or need them; posted signs near deep areas for non-swimmers, signs and enforcement of proper attire for patrons, signs for steps and wet pavement, and keep out signs for electrical areas; strict enforcement of height/age requirements; proper supervision of swimmers and others (especially children); evacuation plans for inclement weather; proper communication systems for patrons (intercom system for evacuation and lost children); walkie-talkies, bullhorns, and whistles for lifeguards; posted areas for lost children; proper and regular inspection of flotation devices; proper monitoring of time and space distance between patrons; posting of monitors at all exit/entrance areas and monitors to ensure the proper capacity of persons on each device; and regular maintenance of pool bottoms, steps, and ladders.

No one wants an accident to happen, but accidents can and do occur at water parks along with related lawsuits and claims against the water park’s General Liability policy. Drowning is rare, but does happen. Swimmers can slip and fall on wet surfaces.  Lifeguards can become distracted.   Children can ignore posted signs and get hurt, roughhousing teenagers can become injured, patrons can ignore no diving signs and injure themselves, water can become contaminated and sicken swimmers, patrons wearing improper clothing and jewelry can become injured, patrons can be struck by lightning, and patrons and employees can become sick from pool chemicals.

Having a signed waiver/release form for all patrons of the water amusement park should be mandatory.  Parents or legal guardians should sign a waiver/release form in addition to having the minor’s signature.  While these waivers cannot prevent a lawsuit from happening, they can help to greatly reduce the amount of damages owed by the park’s owner.  The best protection for your water amusement park business is to have both Accident and General Liability insurance with sufficient limits for proper coverage in the unfortunate event of and accident and/or lawsuit.

Call Sadler Sports & Recreation Insurance at 800-622-7370. We can answer your questions and help walk you through the application process.