InFocus: Entertainment & Recreation Facilities

How agents are hitting strikes in entertainment center insurance

How agents are hitting strikes in entertainment center insurance

How agents are hitting strikes in entertainment center insurance
A classic venue for both casual family fun and competitive leagues, bowling and entertainment centers have experienced something of resurgence in recent years. The bowling and entertainment center industry currently generates about $6 billion in revenues each year and approximately 25% of commercial bowling centers are 32 lanes or larger in size. Insurance agents operating in the bowling and entertainment center space have a great opportunity to hit a strike.

“Good carriers in this space offer full package policies that include general liability, property, inland marine, business interruption, crime, auto, and workers’ compensation,” says Lita Mello, senior vice president, recreation division at K&K Insurance Group, Inc. “The bowling program has the ability to cover not only the bowling but also other attractions like restaurants, liquor, miniature golf, billiards, bumper cars, boats, paintball, and driving ranges.”

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Most bowling centers have been transformed to offer many other entertainment center-type activities in recent years as they have been forced to get creative to grow their businesses and attract younger people into the facilities. As a result, many bowling centers have added arcades, soft play, go karts and birthday party facilities – activities that kids as young as six can enjoy

Some of the most common claims against bowling centers include slips and falls (both inside and out of the center), injuries caused by mechanical problems, food poisoning, and assault. For a bowling center that doesn’t have the right coverage, or has gaps, the potential consequences are catastrophic.

“There could be a seriously negative impact on the business and its revenue if it makes headlines for an accident or injury to a patron,” says Mello. “Also, if they’re found to be negligent, then you’re talking about the possibility of millions of dollars being paid out.”

In recent years, Mello has seen a number of insurance carriers enter the space only to leave again shortly after. The majority of these insurers undercut the market’s pricing in an attempt to gain more market share, but, in the long run, these insurers suffered significant losses because their premium couldn’t sustain.

“Agents working in the space need to pick their carrier partners carriers wisely; the cheapest is not always the best,” Mello says. “There are differences between carriers and some may not have the coverages necessary for the client. Look for an insurer who is a proven expert in underwriting and claims.”


K&K Insurance is a trusted provider of sports, leisure, motorsports and entertainment insurance products and employs more than 300 people in its headquarters in Fort Wayne, IN. As one of the largest Managing General Underwriters in the United States, we offer over 70 specialty programs and work with more than 5,000 agents across the country. Our knowledge of the industries we serve is the core of K&K's success; decades of experience provide us with a deep understanding of both underwriting and claims management skills specific to the sports and recreation industry.

K&K imposes no volume commitments. Our goal is to make it easy for licensed producers to place business with us. No prior appointment or agreement is necessary to submit applications for a coverage quotation. Interested in learning more about K&K?  Click on this link to learn more about the products and services we offer to agents and brokers: