What is Haunted House Insurance?

In order to safeguard your haunted house business, haunted house insurance is a form of event insurance that includes several coverages. It is also known as haunted attraction insurance or haunted house liability insurance.

Who Needs Insurance for a Haunted House?

Do you charge for entry to your haunted attraction? Do you serve alcohol at your event? Do you own a piece of real estate? If you operate any of the scary attractions listed below, you should consider purchasing Haunted Event Insurance:

Ghostly Houses
Ghostly Hayrides
Ghostly Forest
Corn mazes
Escape Rooms
Pumpkin Fields
Attractions Using Virtual Reality
Zombie Runs

Consider Insurance for Your Haunted House Attraction

What type of insurance do you require for your haunted house? Here are our recommendations:

General Liability Protection

We initially propose purchasing general liability insurance to protect your haunted house. This insurance covers the following:

Third-party physical injury: If an audience member is frightened by an actor and falls as a result, general liability can help cover their medical expenses.

You may be liable for third-party property damage if one of your participants trips and falls and breaks their phone. This insurance policy helps cover the price of replacing their property.

If you promote that you are superior to all of your competitors, they may file a slander lawsuit against you. General liability can assist with settlement expenses.

Business Property Insurance

You risk substantial property damage if your haunted house is a genuine residence. Falling props can cause wall damage. Specialized machinery may malfunction and cause a fire. Volunteers or staff who attempt to frighten attendees may cause damage. Even the weather might cause harm to the roof. Property insurance can offer the required coverage to repair or replace a damaged building in any of these situations.

Consider Other Insurance Coverage

You can add the following to your haunted house insurance package:

Consider purchasing commercial auto insurance if you or your staff use their vehicle to move props or equipment.

If you employ seasonal workers to assist with the operation of your haunted homes, you are legally obligated to provide worker's compensation insurance. This covers missed pay and medical expenses in the event of an injury.

Volunteer Accident Insurance: If you have volunteers helping to run your haunted attractions, this protects them if they are hurt while working in the haunted house.

If you offer alcohol at your haunted attraction, you will be forced to purchase liquor liability insurance to safeguard your business.

Consider umbrella insurance if you wish to increase the limits of coverage on your haunted house policy.

How much does insurance for a haunted house cost?

During your conversation with an insurance agent, you will likely be asked questions to evaluate your risk level. They may inquire about the following:

Estimated attendance per day
number of printed tickets
Estimated total sales
Total estimated payroll
Is it an indoor or outdoor event?
First aid instruction Closest hospital
Utilizing special effects

For $1 million in liability coverage, the average haunted house insurance can cost between $300 and $800 per year (or season). The majority of insurance providers require that a haunted attraction:

Has a duration of fewer than ninety days

Is within the United States' borders

Insurance for haunted house attractions does not have to be prohibitively expensive, and there are ways to reduce prices.