Business Details
Our business exists for one purpose: serving action sports, recreation, and entertainment operators with insurance solutions designed specifically for their industries. Specialty Insurance, a division of Alliance Risk Insurance Services, was formed because too many businesses in these sectors were either underserved or insured through policies that were not created for their operational realities. Rather than approaching these organizations as a miscellaneous category, we have made them the exclusive focus of our work. We partner with operators of paintball, airsoft, and GellyBall facilities, laser tag and Nerf arenas, axe throwing centers, go-kart venues, trampoline parks, family entertainment centers, inflatable and party rental companies, special events, and seasonal attractions. Regardless of size or number of locations, we tailor coverage to the conditions and exposures associated with active participation-based businesses.
We offer insurance programs intended to protect our clients from multiple angles. Coverage options include general liability, participant and guest injury claims, property insurance, business owners policies, commercial auto protection, and excess and umbrella coverage. We place policies through A+ rated carriers that have reviewed loss experience within these industries, helping ensure that coverage and pricing reflect genuine operating conditions. Because we focus exclusively on these sectors, we understand concerns such as injuries, equipment interruptions, waiver-related challenges, seasonal financial pressures, and contractual insurance obligations. With more than 20 years of industry experience, licenses in every state and the District of Columbia, and over 500 active policies, we provide efficient quoting, straightforward guidance, and dedicated support before, during, and after a claim.
We offer insurance programs intended to protect our clients from multiple angles. Coverage options include general liability, participant and guest injury claims, property insurance, business owners policies, commercial auto protection, and excess and umbrella coverage. We place policies through A+ rated carriers that have reviewed loss experience within these industries, helping ensure that coverage and pricing reflect genuine operating conditions. Because we focus exclusively on these sectors, we understand concerns such as injuries, equipment interruptions, waiver-related challenges, seasonal financial pressures, and contractual insurance obligations. With more than 20 years of industry experience, licenses in every state and the District of Columbia, and over 500 active policies, we provide efficient quoting, straightforward guidance, and dedicated support before, during, and after a claim.
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.
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
- Credit cards
- Debit cards
Services
General Liability Insurance
General Liability Insurance is positioned as essential coverage within our business insurance programs. It protects against third-party claims for bodily injury and property damage as well as legal defense costs. Standard insurance offerings often overlook risks from active participation in business activities. We include those exposures along with premises and operational liability protections.
Participant Injury Insurance
Our Participant Injury Insurance protects businesses from financial exposure due to participant injury, illness, or accidental death during paid activities. These risks are excluded under standard general liability policies in high-risk industries. Coverage includes medical expense payments, accidental death and dismemberment benefits, and no-fault protection regardless of liability. It is used in action sports, entertainment venues, and mobile operations, offered as stand-alone or endorsement coverage.
Property Insurance
We provide commercial property insurance designed to protect essential business assets from fire, theft, vandalism, and storm damage. Coverage extends to buildings, equipment, inventory, and improvements supporting daily operations. We also recognize action sports gear such as inflatables, lanes, targets, vehicles, and safety equipment that standard policies may not fully include. Protection is structured around replacement cost rather than depreciation.
Business Owners Policy
A Business Owners Policy combines General Liability Insurance and Commercial Property Insurance into a single, streamlined coverage solution designed for cost efficiency. We offer this option for small to mid-size action sports and entertainment operations with physical premises and equipment, using programs tailored to specialty recreation rather than generic retail or restaurant policies.
Commercial Auto
Personal auto insurance does not provide protection when vehicles are used for business purposes. We emphasize that work-related driving requires dedicated commercial coverage to address potential claims. This applies when employees travel to job sites, client locations, or events for business operations. Without appropriate coverage, businesses face exposure during operational vehicle use.
Excess / Umbrella Insurance
Umbrella Insurance and Excess Liability coverage increases protection beyond standard policy limits. When a major loss occurs that surpasses underlying General Liability, auto, or employer liability coverage, it responds to fill the gap. These policies are typically structured in $1M increments and may include coverage for legal defense costs above base limits. They are often required in contracts and venue leases. This coverage is a cost-effective method of managing catastrophic risk.
Reviews (2)
Maxwell C.
Apr 08, 2026
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You guys are incredible! Thank you for such a fast turnaround, and we cant wait to work with you all in the future!
Christopher W.
Oct 05, 2025
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Specialty Insurance has been an incredible foundation for our airsoft field, as well as our retail stores. They are personal, professional, and easy to work with. If youre looking for a flexible service that caters to your needs, then look no further!