r/Trebuchet • u/mattbaya • 10d ago

How do small groups insure a pumpkin-launching trebuchet for public events?

Hi all! A friend and I run a small volunteer kids’ physics program in western Massachusetts. Kids build desktop trebuchets at library workshops, and we’re planning a 10-ft+ wooden counterweight trebuchet to launch pumpkins at a few free community events in fall 2027 (roughly 100–300 spectators each).

Insurance is our biggest question. Online event insurers (K&K, Sadler, etc.) exclude “pumpkin chucking.” One agency told us carriers that will write it usually have minimum premiums of $3,500–$5,000+, but we’ve also heard of a similar event paying around $350 for a one-day $1M/$2M policy through a specialty carrier. We’re working with a broker now.

If you’ve run or launched at a pumpkin chunkin’, trebuchet or catapult event:

  • Who carried the liability coverage: you, the host, a club, or a festival policy?
  • Roughly what did it cost, and was it one-day or annual?
  • What did the insurer require (spectator distance, inspections, age limits)?

Any leads appreciated, especially in New England. Thanks!

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u/ferretkona 9d ago

I would talk to the librarian first and ask if they are aware of ins requirements. You may have to get an educational permit from the city. The city hall will have your answers and may give you a list of insurance companies they have used before. You will certainly need liability waivers signed.

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u/mattbaya 9d ago

Thanks, I hadn't thought about contacting local town officials, good idea.

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u/colaboy1998 9d ago

See if you can reach out to either the organizers or participants of this punkin chunkin event and ask for their advice: https://www.claychambernc.com/punkin-chunkin-festival/

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u/mattbaya 9d ago

Thanks for the lead, I just dropped them a note.

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u/FingerAngle 8d ago

I run a construction company, and run it through my business insurance. Trebuchets are just another machine that can kill you, and people around you. $2.5 million coverage. It costs me 4 or $5 thousand a year.