Specialty Insurance is dedicated exclusively to the insurance needs of action sports, recreation, and entertainment businesses. As part of Alliance Risk Insurance Services, we created our brokerage to address the shortcomings many operators experienced when working with providers unfamiliar with their industries. Businesses offering unique recreational activities were frequently covered under policies that did not adequately reflect their operations. We chose to focus entirely on these sectors, allowing us to better understand their risks and coverage requirements. Our client base includes paintball, airsoft, and GellyBall operators, laser tag and Nerf facilities, axe throwing venues, go-kart tracks, trampoline parks, family entertainment centers, inflatable and party rental companies, special events, and seasonal attractions. We tailor our approach for both single-location businesses and larger multi-site operations.

Our insurance solutions encompass general liability coverage, participant and guest injury protection, property insurance, business owners policies, commercial auto coverage, and excess and umbrella programs. We work with A+ rated carriers that have examined claims data relevant to these industries, helping ensure that coverage decisions are informed by actual operational experience. We understand that our clients must manage risks ranging from participant injuries and equipment failures to waiver issues, seasonal revenue considerations, and contractual obligations. With more than two decades of industry expertise, licenses in all 50 states and the District of Columbia, and a portfolio of over 500 active policies, we are positioned to provide prompt quotes, practical guidance, and dependable assistance throughout the claims process while maintaining clear and direct communication.

Served areas

Coverages: General Liability, Participant Injury, Property, Business Owners Policy (BOP), Commercial Auto, Excess / Umbrella.
Industries: Paintball, Airsoft, GellyBall, Laser Tag, Nerf Arena, Axe Throwing, Go-Kart, Trampoline Park, Family Entertainment Center, Special Events.

Business details

Licensed

Highlights and features

Licensed nationwide across all 50 states for coverage
Fast one-day quote turnaround from top-rated insurance carriers
Specialist underwriting tailored for action sports business risks
Comprehensive protection for entertainment venues and sports operators
Over twenty years of industry-focused insurance expertise
Coverage solutions designed for diverse high-risk recreation businesses

Payment methods

Cash
Debit cards
Credit cards

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General Liability Insurance Report

General Liability Insurance serves as the foundation of our business insurance offerings. It protects against claims from third parties for bodily harm, property damage, and associated legal defense costs. Standard policies often exclude participant-related risks, creating gaps for active operations. We design coverage to include those exposures along with premises and operational liability.

Participant Injury Insurance Report

Participant Injury Insurance delivers no-fault protection for paying customers injured, becoming ill, or suffering accidental death during participation in activities. It addresses a key exposure that standard general liability policies typically exclude in action sports, entertainment, and mobile operations. Coverage provides medical expense payments, accidental death and dismemberment benefits, and applies on a no-fault basis. It is available as stand-alone coverage or as an endorsement for events, open play, and leagues.

Property Insurance Report

Our commercial property insurance protects physical business assets from fire, theft, vandalism, and storm damage. This includes buildings, equipment, inventory, and operational improvements. We account for action sports equipment such as inflatables, lanes, targets, vehicles, and safety gear that may be excluded or undervalued by standard coverage. Policies emphasize replacement cost to ensure accurate recovery.

Business Owners Policy Report

We structure a Business Owners Policy by combining General Liability and Commercial Property Insurance into a single, efficient policy offering. It is intended for action sports and entertainment businesses operating from physical locations with equipment, and we ensure access to programs specifically designed for specialty recreation rather than general commercial segments.

Commercial Auto Report

Commercial Auto Insurance provides coverage for vehicles owned, leased, or regularly used in business operations. We structure this protection for businesses that depend on transportation as part of their daily work activities. Personal auto insurance does not extend to business use, leaving significant gaps when a claim arises from work-related driving. This coverage ensures appropriate protection for operational vehicles used in commercial settings.

Excess / Umbrella Insurance Report

Excess and Umbrella Liability Insurance offers an additional layer of protection above standard policies. It is designed to respond when a catastrophic claim exceeds General Liability, auto, or employer liability limits. This coverage helps ensure that high-value losses do not deplete primary insurance resources. It may also contribute toward legal defense costs beyond base policy thresholds. It is frequently utilized as a strategic and economical approach to managing extreme liability exposure.

Brandon J.

Mar 11, 2026

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Specialty Insurance is a great choice! I highly recommend this company for your business! They diligently take their time and work with you, making sure your business has all the correct and specific coverages you need. Cathy was a huge help, and gave me exactly what I needed, making it budget friendly and greatly affordable. Choose Specialty Insurance if you want the best service and fair treatment for your business!