Amusement Centers

What Does GL Code 10015 Cover?

ISO GL class code 10015 covers businesses primarily engaged in operating amusement centers, including arcades, family entertainment centers, and indoor play areas. This class encompasses operations where patrons engage in various recreational activities, often involving coin-operated games, rides, or interactive attractions, and accounts for the unique risks associated with public access and diverse entertainment offerings.

Who Uses This Class Code?

Businesses that fall under this code include video arcades, laser tag arenas, trampoline parks, indoor miniature golf courses, family fun centers, and children's indoor play gyms. It also applies to establishments offering virtual reality experiences or escape rooms as their primary business.

Common GL Claims for This Class

Common claims include slip-and-fall incidents on premises, injuries sustained by patrons on rides or equipment due to improper use or maintenance, and claims arising from altercations or inadequate supervision within the facility.

Coverage Tips for Code 10015

• Implement robust waiver and release forms for all participants, especially for activities with inherent risks, and ensure they are legally enforceable in Florida.
• Regularly inspect and maintain all rides, games, and equipment according to manufacturer guidelines and Florida safety regulations to prevent mechanical failures.
• Ensure your policy includes coverage for participant liability and medical payments, as injuries to patrons are a significant exposure for amusement centers.
• Verify that any third-party vendors or contractors operating within your center (e.g., food concessions, ride operators) carry their own adequate insurance and name your business as an additional insured.