A market guide for independent insurance agents. Last reviewed: June 2026.
Inflatable rental capacity is concentrated — Cossio's own marketing notes that many programs 'are pulling out of the industry,' and most remaining capacity sits inside two or three specialist shops. $1M/occurrence GL is the de facto standard because venues and municipalities require it. Benchmark pricing: roughly $1,800-$2,500/yr for a 1-5 unit operator, $5,000-$9,000+ at 5-10+ units.
Underwriting is operational: signed participant waivers, anchoring and setup protocols, attendant/supervision rules, wind-speed shutdown procedures, and loss runs. An operator who cannot produce a waiver process will struggle everywhere.
Markets identified through editorial research (June 2026) and agent placement discussions. Items marked "verify" carry details we could not confirm at the primary source.
| Market / Program | Type | How Agents Access It | Notes |
|---|---|---|---|
| Cossio Insurance Agency | Specialist agency (multiple programs) | Direct submission | The dominant inflatable/FEC specialist; rates by experience, loss history, unit count. |
| XINSURANCE (Prime / Evolution) | E&S | Direct / wholesale | Hard-to-place inflatables; seasonal gross-receipts rating, mid-term unit additions, venue-required limits. |
| Prime Insurance Company | E&S | Direct / wholesale | Inflatables plus broader amusement/recreation liability. |
| McGowan Allied Specialty (MASI) | Program administrator | Program submission | Leading amusement/entertainment program (carnivals, FECs, inflatables); wants 5-year loss runs and waiver copies. |
| American Specialty | Program | Program submission | Amusement/FEC programs nationally. |
| OVD Insurance | Niche agency | Direct | Entertainment/inflatables niche. |
Real placement discussions from independent agents about bounce house & amusement insurance.
Roughly $1,800-$2,500/yr GL for a small operator (1-5 units) and $5,000-$9,000+ for 5-10+ units, at the standard $1M/occurrence venues require.
Cossio (specialist agency with multiple programs), XINSURANCE and Prime on the E&S side, and McGowan Allied / American Specialty for amusement program business.
Signed participant waiver template, anchoring/setup protocol, attendant and wind-shutdown rules, unit list with values, and 5 years of loss runs if available — McGowan-type programs ask for all of it.