Haunted Attractions
Alexandria, Corpus Christi, Georgetown, Houston, Lubbock, Shreveport, Waco

At Risk Services – Leavitt Insurance Agencies, we understand the artistry and operational complexity behind every scare. Our strength lies in broad insurance carrier access, deep industry experience, and the ability to build coverage programs tailored to the realities of high-energy environments that encourage guest interaction.

As the preferred insurance provider for the Haunted Attraction Association, we bring haunt operators access to specialized programs and underwriting relationships that generalist agencies simply cannot match.

Why Work with Risk Services – Leavitt Insurance Agencies?

Haunted attractions push boundaries, with actors, sets, effects, props, animatronics, and guest interactions that demand a partner who understands the industry from the inside. Risk Services provides insurance solutions built specifically for:

• Haunted houses & haunted trails
• Touch haunts & actor‑interactive attractions
• Indoor & outdoor scream parks
• Escape rooms & immersive experiences
• Multi-attraction entertainment venues

We help haunts maintain all major commercial insurance lines, including:

• General Liability
• Commercial Property
• Workers Compensation
• Hired & Non-Owned Auto
• Umbrella
• Cyber Liability
• Inland Marine

Our team knows how to present your attraction in a clean, accurate submission that underwriters understand and trust.

Market Conditions: Carrier Capacity is Tightening

The insurance market for haunted attractions and seasonal events is tightening again this year. Several carriers have already reduced the number of haunted attractions they insure or have stopped insuring them entirely. Attractions that fall under this industry include:

• Actor-driven experiences
• High‑volume indoor attractions
• Multi-attraction parks
• Seasonal operations with limited staffing

What does this industry shift mean for you?

• Fewer carrier options
• Stricter underwriting requirements
• Longer quoting timelines
• Increased documentation needs

Finding insurance early is no longer a suggestion—it’s a competitive advantage.

Why Loss Runs Matter for Haunted Attractions

Haunts are dynamic environments, meaning actors, guests, props, effects, and tight spaces all interact simultaneously. Because of this, carriers review loss runs carefully before offering an insurance policy. Loss runs directly influence:

• Whether a carrier will quote
• How much coverage the carrier will offer
• Your premium and conditions

Missing loss runs is the most common reason haunt quotes stall or get declined.

What Are Loss Runs?

Loss runs are your operation’s official claims history; a simple report from your current or previous insurance carrier showing every claim, what was paid, and what claims remain open. They help underwriters understand your safety performance and how risky your business is to insure.

Providing loss runs is standard for all commercial insurance, but they carry extra weight for haunted attractions because of the interactive, high-energy nature of the experience.

Apply Early: Request Loss Runs 90 Days Before Renewal

To stay ahead of the tightening haunt insurance market, request your loss runs at least 90 days before your renewal date.

This gives us time to:

• Shop multiple carriers for you
• Negotiate terms
• Prepare a clean submission
• Avoid last-minute delays

Early preparation means more options, better pricing, and a smoother renewal.

How to Apply for Haunted Attraction Insurance

Getting started with Risk Services is simple.

1. Contact our team: We’ll review your attraction and outline the documents you need.
2. Request your loss runs: If you’re unsure how, we’ll guide you step‑by‑step.
3. Complete the application: We’ll help you present your operation clearly and accurately to underwriters.
4. We shop the market: Our insurance carrier access and industry relationships work in your favor. No need for multiple applications with other agents
5. Review your options: We’ll walk you through coverage, pricing, and recommendations.

Meet Your Haunted Attraction Insurance Team

Kim Ayers — National Risk Advisor

A recognized leader in haunted attractions, agritourism, and outdoor hospitality insurance. Kim brings nearly a decade of hands-on experience and a deep understanding of the exposures unique to interactive and seasonal operations.

Haley Bednarz — Producer, Attractions & Seasonal Events

Energetic, responsive, and committed to exceptional service. Haley supports haunt operators through quoting, renewals, and year-round needs.

Your Full Risk Services Support Team

In-house account management team dedicated to the haunt industry to handle certificates, policy changes, claims support, and renewal preparation.

Start Your Application Today

The market is shifting quickly. Carrier capacity is tightening. Minimum premiums are rising.
The earlier you start, the more options you have.

Start your quote with Risk Services

Request your loss runs now

Risk Services – Leavitt Insurance Agencies
Your partner for coverage, clarity, and confidence—built for the attractions that bring fear to life.

Frequently Asked Questions

• Why work with an agent who specializes in the haunted attraction industry?

  An agent who truly understands the haunted attraction industry brings more than just a policy quote. Specialized agents understand:

  • Industry-specific risks and loss trends
  • Common coverage gaps in standard event policies
  • Carrier expectations and underwriting requirements
  • Vendor, venue, and landlord insurance demands
  • Seasonal timelines and operational pressures

  Risk Services of Louisiana works exclusively with specialized markets and programs built for haunted attractions, helping operators secure coverage that stands up when it matters most.

• Do waivers replace the need for haunted house insurance?

  No. Waivers do not replace insurance, and insurance cannot be written without them.

  Waivers are required for us to write and maintain coverage. They are not optional paperwork; they are a foundational risk management tool and are integral to the continued success of the haunted attraction industry.

  • Well-drafted waivers
  • Set clear expectations for participants
  • Help limit liability exposure
  • Strengthen legal defense if a claim arises
  • Support the long-term availability of insurance markets for haunts

  While waivers do not prevent lawsuits, they play a critical role in defending claims and preserving insurability across the industry. Attractions without proper waivers place themselves—and the broader market—at risk.

• How much does haunted attraction insurance cost?

  Pricing varies based on several factors, including:

  • Attendance volume
  • Type of attraction (indoor, outdoor, trail, hayride, etc.)
  • Length of the operating season
  • Use of stunts, physical interaction, or special effects
  • Loss history and risk controls

  To be clear and upfront: the minimum premium for our haunted attraction programs starts at $1,500.

  We understand cost matters. Our programs are structured to deliver specialized coverage, informed underwriting, and long-term market stability—not just the lowest price on paper. Many operators find that investing in the right coverage upfront saves significant expense and disruption later.

• What type of insurance does a haunted attraction need?

  Most haunted attractions require a customized combination of coverages, which may include:

  • General liability insurance
  • Property insurance (owned or rented structures, sets, props, and equipment)
  • Workers’ compensation (where required by law)
  • Business auto

  Because haunted attractions present unique and elevated risks, policies designed specifically for the haunted attraction industry are critical. Working with specialists like Risk Services of Louisiana helps ensure coverage aligns with how haunts operate—not how a generic event policy assumes they do.