Haunted House Insurance
Why Halloween Event Insurance is so important
Haunt owners are always concerned about insurance coverage that will protect themselves and their property... and for good reason. Finding the right insurance coverage for haunted houses, pumpkin patches, haunted hayrides or other Halloween events is a scary venture. Murphy’s Law states, “anything that can go wrong will go wrong” and if you own a haunted house, you know that's true. Haunted house owners that have been in the haunt business longer than about, oh, five minutes, know that this is a profession of trial and error... and a lot of mishaps. Haunted House actors (and support staff) are always a challenge. Then of course you have props, sharp objects, special effects, animatronics... and the most unpredictable part of the business... your guests. You remember these guys; they're the folks that are visiting your haunted house doing just the opposite of what you've instructed them to do and going any which way they please.
This adds up to someone inevitably tripping, falling, getting hurt or even worse. Unfortunately, that's not your only challenge. As a professional Haunted House owner, you're also working with electrical devices, mechanics and most likely various chemicals; and the scariest part, everyone, actors and guests included, are having all of this mayhem in the dark!
"THE SOLUTION IS AS SIMPLE AS FINDING
AN INSURANCE PROFESSIONAL
THAT UNDERSTANDS YOUR INDUSTRY,
UNDERSTANDS YOU AND YOUR BUSINESS
AND CARES ENOUGH TO PUT
THE RIGHT PACKAGE TOGETHER...
INSURANCE THAT COVERS YOU PROPERLY,
AND AT THE SAME TIME IS AFFORDABLE."
DONAT INSURANCE SERVICES
president, Ken Donat
Being in the entertainment industry, you probably already accept the fact that things are going to go wrong and you can only control what you can control. However, you can plan for these dreadful incidents because it's not a matter of will it happen, it's a matter of when it will happen. That is exactly why having the right haunted house insurance is so important. Unfortunately haunted house insurance is a specialty insurance and most insurance agents and insurance agencies do no carry any type of insurance for haunted houses, Halloween or Fall Festivals.
There is no doubt that the most serious concern for Haunted House owners is either someone getting hurt, maimed or dying due to something or someone in their haunted attraction. Of course there is more than just the haunted house event insurance to contend with; there is also your haunted house facility insurance. Many haunt owners own their building and/or property. This is a serious concern for anyone in the industry. However, that is where Donat Insurance claims they are able to help haunt owners cover themselves from potential liability as well as cover their property and buildings. According to Ken Donat, finding the right insurance coverage for each individual is the key to keeping everyone safe and happy.
"Haunted House Insurance
Does Not Have to be Scary",
says Ken Donat,
"You Just Need to Find
Someone Who Knows
the Business and How to Get You
Exactly What You Need.
It's That Simple!"
Why the Donat Haunted House Insurance Experts are Your Best Choice for Haunted House and Halloween Insurance
Ken Donat is the founder of Donat Insurance Services, LLC. Ken has been working in the haunt industry and helping haunted house owners for over 20 years. His extensive knowledge of the haunt industry (and entertainment industry in general) has aided him in assisting haunted house entrepreneurs get the right haunted house insurance at the best possible rates. However that's just the surface of what Donat Insurance is all about. Donat realizes that money doesn't grow on trees for haunted house owners and also realizes they have a very small window to make their money. By understanding the haunt industry, he is able to help haunt owners get the right haunted house insurance coverage for their operations.
Ken's background and expertise enable him to find the right insurance carriers for you. That means covering the parts of your operation that need covered and not wasting money on other areas. He also understands how to get the best haunted house insurance prices possible. Understanding your needs, understanding the industry and understanding you, the haunt owner, makes Donat Insurance a cut above the rest (no pun intended).
Donat is considered by many haunted house owners as the "go to" authority when it comes to any type of HALLOWEEN EVENT INSURANCE including:
HAUNTED HOUSE INSURANCE
HAUNTED EVENT INSURANCE
HALLOWEEN FALL FESTIVAL INSURANCE
CORN MAZE INSURANCE
HAUNTED HAYRIDE RIDE INSURANCE
PUMPKIN PATCHES INSURANCE
However, Donat also specializes in various other entertainment industry insurances including:
ESCAPE ROOM INSURANCE
AXE THROWING INSURANCE
BULL RIDING INSURANCE
This is why so many haunt owners and entertainment venue professionals count on Donat to handle their insurance needs.
For information on Haunted House Insurance or other types of insurance in the entertainment industry give them a call. They also provide testimonials from some of the country's Best Haunted House owners.
ANSWERS TO QUESTIONS ABOUT HAUNTED HOUSE INSURANCE:
How much does Halloween Event Insurance or Haunted House Insurance cost?
Halloween Event Insurance, Haunted House Insurance and other types of insurance that will cover Halloween Events (hayrides, pumpkin patches, haunted trails, corn mazes and escape rooms) can vary dramatically depending on many factors including how many people will attend the event, what types of activities will take place during the event, whether or not alcohol is served, whether the event is just to cover the people attending and actors or whether the insurance covers buildings and property as well. There are many factors that will determine the price of Halloween Event Insurance but the average event ranges between $500 a year for minimal coverage and can go upwards of $20,000 a year if buildings and property are included
How long does Haunted House Insurance cover Halloween Events?
You can get insurance that will cover your event 90 days (during the regular Halloween season or you can get insurance that will cover events throughout the year.
Does Haunted House Insurance cover the specific Halloween event or can it cover other types of events?
It all depends on the type of coverage you are looking for. You can get event insurance that will cover specifically your Halloween event or you can get insurance that will cover other types of events that you might have. Be aware though, they're are various events that Haunted House Insurance will not cover for Instance: Bull Riding, Ax Throwing, various forms of Musical Events or Concerts and other events where additional coverage may be necessary.
What type of insurance will cover my haunted house?
The insurance is typically referred to as Haunted House Insurance or Special Event Coverage.
Does Haunted House Insurance cover my property?
Again it depends on the type of coverage you are in need of. You can get specialty Insurance that covers both your event as well as your property, buildings, vehicles and more. Talk to a qualified insurance professional to ensure you get the coverage you need.
Can I get Insurance that will cover my Haunted House as well as other venues that I offer my customers?
Absolutely. There are some exceptional special event packages that can cover your haunted house, hayrides, corn mazes, pumpkin patches, multiple dark attractions, escape rooms and a myriad of other entertainment venues. You can even get packages that cover events that offer alcohol. For a specific insurance coverage that will suit you contact a qualified, specialty lines insurance agent.
How do I know for sure if my Halloween Event or Haunted House venue will be covered by insurance?
The only way to absolutely know is to contact an insurance agency who specializes in Halloween Insurance or Haunted House Coverage. You will find that the majority of Haunted Houses can be covered so long as they comply with the local, state and national requirements.
Are there things that I have or do that will affect my Premium?
Yes, there are many things that you might be doing, offering or providing that could have an effect on your insurance rate or premium. Is your event open to the public? What types of stunts do your actors perform? Do you have Pyrotechnics or other entertainment where you use fire or open flames? Do you offer food? Do you offer alcohol? Does your show incorporate animals? Are your attractions 1 story or multiple stories? Do you have armed security guards? Are there stairs or sharp inclines from one floor to the next? Are you covering the event itself or property and buildings? What period of time will your insurance be in effect?
All of these criteria will have an effect on your insurance rates or premium. For specific coverage and rates it is best to have an insurance specialist consult with you.
Do I need Haunted House Insurance for a Home Haunt or for a Not-For Profit Haunt?
The simple answer is yes. If you have any type of event where the public attends there is most likely liability. The best way to protect yourself is with the right event insurance.
If I Offer alcohol can I still get insurance coverage?
Yes you can so long as you comply wit the local, state and federal laws. It could have an effect on your insurance premium.
Can my local insurance agent provide the type of Haunted House Insurance that I need?
HAunted House and Halloween Event Insurance is a specialty insurance and the chances are your auto or homeowners insurance agent cannot provide you with the proper insurance.
PHONE NUMBER: 608.565.2741
CELL PHONE NUMBER: 608.343.0273
FAX NUMBER: 608.565.2827
EMAIL ADDRESS: Ken@DonatInsurance.com
ADDRESS: West 6102 35th Street. E., New Lisbon, Wisconsin