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Batting cages. Paintball centers. Arcades. Go-kart tracks. Climbing walls. Laser-tag venues. Giant inflatable “bouncy houses.” Although each is a unique operation, all fall under the heading of family entertainment centers (FECs), sharing common risks and coverage requirements—and insurance-placement challenges.

“Anytime you are dealing with kids, [placing insurance] will be a little more difficult” than insuring other risks, says Matt Stein, administrator of the Family Entertainment Center Safety Association Insurance Program at Sterling & Sterling in Woodbury, N.Y.

Insuring FECs also can be “difficult because you are dealing with moving objects going 25 miles per hour, staffed by a teenager. Therein lies part of the problem,” says Mike Beckman of Berlin, Wis.-based Beckman Insurance, which specializes in go-kart risks and was recently acquired by indie broker Britton Gallagher.

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