Bowling Lanes

What Does GL Code 10220 Cover?

ISO GL class code 10220 covers establishments primarily engaged in operating bowling alleys and lanes, including associated activities like pro shops, snack bars, and game rooms within the same premises. This code classifies the general liability exposures arising from patrons' activities, property maintenance, and incidental services offered to bowlers. It encompasses the risks associated with the physical operation of bowling facilities and the services provided to customers.

Who Uses This Class Code?

This code is specifically used by businesses operating bowling centers, family entertainment complexes with bowling facilities, and recreational clubs that feature bowling lanes. It applies to independent bowling alleys, franchised bowling establishments, and multi-activity venues where bowling is a primary attraction.

Common GL Claims for This Class

Common GL claims for bowling lanes include slip-and-fall incidents on polished floors or near food/drink areas, injuries from malfunctioning equipment such as pinsetters or ball returns, and altercations between patrons, especially where alcohol is served.

Coverage Tips for Code 10220

• Implement regular maintenance schedules for lanes, pins, and equipment to prevent slip-and-fall hazards and equipment malfunctions that could lead to injury.
• Ensure your policy includes adequate coverage for liquor liability if you serve alcoholic beverages, as this is a significant exposure for many bowling centers.
• Review your premises liability limits annually, especially if you host leagues, tournaments, or children's parties, which can increase foot traffic and potential for incidents.
• Consider specialized coverage for arcade games or other entertainment equipment on premises, as standard GL policies may have limitations for these assets.