AMUSEMENT STANDARDS · FOR SPECIALTY LINES INSURERS, MGAs & REINSURERS
CLOSING THE RISK INTELLIGENCE GAP
IN AMUSEMENT UNDERWRITING
The U.S. attractions industry generates over $35 billion in annual revenue. The specialty lines insurers who underwrite it still rely on annual applications and loss runs. AS 360 changes that — continuous operational scoring across 37 data streams, delivered as a single composite risk rating.
Request a Pre-Bind Assessment Insurer Dashboard Benchmarking Methodology
37
Independent Data Streams
3
Scored Indices
14
Scored Pillars
48hr
Assessment Turnaround
THE UNDERWRITING BLIND SPOT
The operator knows their daily reality. You see an annual application.
WHAT UNDERWRITERS CURRENTLY SEE
Lagging Indicators
  • Annual application with self-reported financial and operational data
  • Loss-run history spanning 3–5 years
  • Periodic loss control site visits — typically annual or biennial
  • ASTM F24 compliance certifications and state inspection records
  • Third-party ride inspection reports
WHAT AS 360 SHOWS YOU
Leading Indicators
  • Real-time staffing levels relative to operational load
  • Daily and weekly inspection completion rates and findings
  • Weather-adjusted operational decisions and capacity management
  • Queue stress patterns that correlate with incident frequency
  • Maintenance cycle adherence vs. manufacturer-recommended intervals
  • Near-miss and minor incident trends before they escalate to claims
  • Staff training currency and certification expiration patterns
  • Service bulletin compliance timelines
THE COST OF THE BLIND SPOT
Three consequences for your book.
🎯
Adverse Selection
Without continuous risk visibility, you cannot distinguish between a well-run facility with strong operational discipline and a poorly run facility with a clean loss history that has simply been lucky. The next claim is always a surprise.
💰
Mispriced Risk
When all facilities of similar size and attraction mix receive comparable pricing, the best operators subsidize the worst. Premium adequacy depends on risk differentiation that current tools cannot provide.
🔄
Reactive Loss Control
Traditional loss control identifies issues after a site visit and recommends corrections that may or may not be implemented. There is no mechanism for continuous monitoring or early-warning detection.
THE AS 360 PLATFORM
Three scored indices. One composite.
Each score is assembled from independent data streams feeding weighted pillars. No single source controls the outcome. When streams agree, confidence is high. When they diverge, the divergence itself is the finding.
RIDE
Dry attractions, coasters, flat rides, dark rides, kiddie rides
15 STREAMS · 4 PILLARS
READINESSINTEGRITYDELIVERYENVIRONMENT
SPLASH
Water parks, slide complexes, wave pools, aquatic facilities
12 STREAMS · 6 PILLARS
SAFETYPROTOCOLLIFEGUARDAQUATICSTRUCTUREHAZARD
PLAY
FECs, trampoline parks, go-karts, arcades, entertainment centers
10 STREAMS · 4 PILLARS
OPERATIONSSAFETYMAINTENANCEGUEST EXP
AS 360 FACILITY SCORE
Score Certificate
78
STRONG
R:81 S:74 P:78
37 of 37 streams · 14 pillars
Valid 90 days from issue

The Deliverable

Every assessment produces an AS 360 Facility Score Certificate — a one-page, dated, verifiable document showing composite and per-score-type results with pillar breakdowns. Designed to attach directly to an underwriting file alongside applications, loss runs, and inspection reports.

For deeper analysis, assessments include a narrative risk summary covering key findings, pillar-level strengths and concerns, data gaps, underwriting considerations, and pre-bind recommendations.

See full Insurer Dashboard →
SCORING METHODOLOGY
How the score is built.
Read Full Methodology →
STEP 1
37 DATA STREAMS
Independent sources — inspections, maintenance, staffing, incidents, training, guest feedback, external validation
→
STEP 2
14 WEIGHTED PILLARS
Streams feed into pillar scores — Readiness, Integrity, Delivery, Environment (RIDE) + 10 more across SPLASH & PLAY
→
STEP 3
COMPOSITE SCORE
Pillar scores combine into a 0–100 composite per index. Multi-source convergence increases confidence. Divergence flags risk.
→
STEP 4
RISK BAND
Composite maps to an actionable band — STRONG, GOOD, WATCH, or CRITICAL — with defined underwriting implications.
75–100
STRONG
60–74
GOOD
40–59
WATCH
0–39
CRITICAL
Multi-Source Validation
No single data stream can dominate the score. When operator-reported data says one thing and independent validation says another, the divergence is surfaced as a finding — not hidden by averaging.
Behavioral Integrity
The AuditScore engine detects fabricated compliance — checklist speed anomalies, zero-variance patterns, submission clustering. The score measures whether inspections were done, not just whether boxes were checked.
Immutable Audit Trail
Original records cannot be modified. Amendment requests are geo-fenced, device-bound, and require supervisor approval within 4 hours. Every change is logged and visible to insurers.
VALUE AT THREE LEVELS
Underwriting. Loss control. Portfolio.
📋
Better Risk Selection
Pre-bind risk assessment supplements the application with a scored, data-backed risk signal. Objective basis for tiered pricing, renewal evaluation with trend analysis, and data-backed declination support.
📡
Continuous Loss Control
Transform loss control from a periodic event to a continuous data feed. Real-time score monitoring, automated alerts when facilities drop below threshold, and targeted intervention on the risks showing deterioration.
📊
Book-Level Intelligence
Aggregate risk heat maps across your insured book by geography, venue type, and attraction mix. Correlation analysis as the dataset matures. Reinsurance treaty support with a quantitative risk quality metric.
ENGAGEMENT MODELS
Start with one facility. Scale to your book.
$500
Pre-Bind Assessment
Submit a new or renewal facility. Scored risk summary returned in 48 hours. Per-facility, no commitment.
Facility Score Certificate
Narrative risk summary (7 sections)
Pillar-level breakdown per score type
Key findings & pre-bind recommendations
Desktop+Virtual ($1,500) and On-Site ($3,000) tiers available
Submit a Facility →
Annual
Portfolio Monitoring
Score your entire insured book. Quarterly updates, automated alerts, trend dashboards. Annual license fee.
Score all facilities in book
Insurer Dashboard with live data
Automated score-drop & SB compliance alerts
Quarterly trend reports by score type
Reinsurance treaty risk quality metrics
See the Dashboard →
Custom
Loss Control Partnership
AS 360 scoring bundled with consulting, audit, and inspection services as your outsourced amusement loss control arm.
On-site inspections by AS consultants
Service bulletin compliance monitoring
Incident investigation & documentation
Score improvement programs for insureds
API data integration available
Contact for Details →
THE MODEL IS PROVEN
Active insurance is becoming the standard.
Continuous risk monitoring integrated with insurance is not theoretical. It has produced measurable results in every specialty line that has adopted it. AS 360 applies the same structural logic to amusement general liability.
AUTO
Telematics
Progressive, Root
CYBER
Continuous Scanning
Coalition
WORKERS' COMP
Computer Vision
CompScience
AMUSEMENT GL
AS 360
Amusement Standards
See the risk before the claim.
Start with one facility. Submit a pre-bind assessment request and receive a Facility Score Certificate with narrative risk summary in 48 hours. No contracts, no integration required, no minimum commitment.
Request an Assessment Insurer Dashboard Benchmarking Methodology Contact Us
adam@amusementstandards.com · amusementstandards.com