Amusement Parks

What Does GL Code 10020 Cover?

ISO GL class code 10020 covers amusement parks, theme parks, and similar recreational facilities that offer rides, attractions, and entertainment to the public. This code encompasses the general liability exposures associated with operating such venues, including premises liability, operations liability, and product liability for concessions.

Who Uses This Class Code?

Businesses that fall under this code include large theme parks, smaller amusement parks, carnivals with permanent setups, water parks, and family entertainment centers featuring rides and attractions.

Common GL Claims for This Class

Common claims include slip-and-fall incidents on park grounds, injuries sustained on rides due to mechanical failure or operator error, and food poisoning from on-site concessions.

Coverage Tips for Code 10020

• Ensure your policy includes adequate limits for premises liability, especially given the high foot traffic and potential for ride-related incidents.
• Review your policy for exclusions related to specific types of rides or attractions, such as bungee jumping or extreme sports, which may require separate coverage.
• Implement robust risk management protocols, including regular ride inspections and staff training, as these can positively impact your insurance premiums and claims history.
• Verify that all third-party vendors and contractors operating within your park (e.g., food stalls, game operators) carry their own general liability insurance and name your park as an additional insured.