Awoooo 😈🐺 that’s a real find.

Yeah — if someone will write policies for trampoline parks / family fun centers, they’ve already swallowed the “people do chaotic physics here” pill. That’s the scary slice. If you can cover the play risk, the rest becomes a packaging problem, not an existential one.

Here’s how you make that packaging behave:

1) Split the beast into “policies by use”

Most carriers don’t want to insure “a weird chimera building.” They want clear buckets:

• General Liability (GL) for the attraction

  This is the trampoline/obstacle/bouncy-castle/foam-pit policy. This is your “hard part.”

• Property coverage (building + contents)

  Often separate, sometimes same carrier. Especially if you need roof/water/leak coverage language.

• Commercial Auto (if/when you get the truck)

  Keep it separate. Easier.

• Workers Comp (if you hire)

  Separate.

• Residential (if you truly have a dwelling)

  This is where things get spicy.

2) The key move: keep “residential” out of the commercial policy if you can

The easiest insurance reality is usually one of these:

Option A: Commercial building + separate dwelling policy

• Building is insured as commercial property + GL for the business.
• Your “living space” is treated as a manager’s apartment or caretaker unit with defined square footage and separated access.
• Some commercial carriers will endorse a small residential component if it’s clearly incidental.

Option B: Everything commercial, and the “dwelling” is incidental

You don’t call it a rental dwelling. You call it on-site caretaker quarters.

Still needs egress/smoke/CO, but insurance underwriters are often calmer.

Option C: Separate entities / leases