You have a business you love. No, really, you love it more than any business you could possibly think of: You own and run a haunted house and a Halloween maze!
But scarier than any ghost or zombie in your haunted house, is the idea that you have a seasonal niche business and one uncovered base could bring ruin to you.
So, you ask, what kind of insurance do you need in order to be secure in your seasonal haunted house business?
Right off the bat, you know you need general liability insurance, property insurance, and workers compensation. Additionally, you will need to get event insurance and event cancellation insurance and look into equipment insurance, automobile liability and physical damage.
You can reduce your risk, hence your premiums, if you do not use pyrotechnics or open flames, stunts, steeply inclined floors, moving floors, trapdoors, chutes, or people jumping out to startle customers. Your choice in props can also help reduce your premium, for instance, if you don’t have an empty hangman’s noose or knives, swords, or guillotines made of anything other than rubber or paper.
And strobe lights are always iffy as far as risk is concerned, for dual reasons: If used instead of regular lights, they do not illuminate well enough to allow patrons to see where they’re going, and they are known to induce seizures in those who are prone to them.
As always, you should plan to meet with your licensed insurance professional.
When you meet with that insurance professional, you will likely be asked questions such as the estimated attendance per day, number of tickets printed, estimated gross receipts, and the estimated total payroll. He or she will want to know whether the haunted house will be an indoor or outdoor event, and whether or not your employees are trained in first aid, and how far your venue is from the nearest hospital as well as an in-depth description of special effects.