Table of contents
Similar to running a skateboard park, owning an ice skating rink is thrilling. Watching families and friends glide across the ice is adventurous. But ice skating rinks may face risks such as lacerations or ammonia leaks. Also, your customers can get injured while skating, putting your business at risk of several liabilities. Your business must have ice skating rink insurance to shelter itself from financial losses.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
General liability insurance is fundamental for your business. It will cover property damage and bodily injury claims. Here are some examples of incidents that it covers:
The coverage limits of this ice skating insurance are $1 million to $5 million for each occurrence. Discussing with your insurance provider to find the best coverage for your business would be best.
When shopping for your general liability insurance, you need to check the coverage limits the provider offers. It would be best to scrutinize the policy’s deductibles and exclusions.
Yes, all providers have their specific exclusions. Most will not cover intentional events. You must check your policy terms and identify the exclusions listed.
Public liability insurance will protect your ice skating rink business from claims made by third parties. The claims can either be bodily injury or property damage. This insurance can cover the following incidents:
Public liability insurance coverage limits are $1 million to $5 million for each occurrence. But the limits can be higher or lower depending on your policy terms.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Your ice skating rinks have physical assets such as inventory, buildings, fences, or equipment. An incident such as fire can occur, leading to the destruction of your property. It would be best to have commercial property insurance to protect your business from financial losses. This coverage will cover perils such as:
The coverage limit of this skating rink insurance is $300,000 to $1,000,000. To obtain higher limits, you can consider purchasing a rider to the policy.
You can choose all-risk or named perils coverage when taking your commercial property insurance. The all-risk is more comprehensive and will cover all events except those excluded in your policy. The named perils, however, will only cover the named perils in your policy.
Yes, this ice skating insurance policy includes business interruption coverage. Thus, it will cover your lost income. But the short-term closure must be due to a covered peril.
| CoverWallet | Thimble (Best) | NEXT | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $260,000 | $25,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
Business owner’s policy merges two or more policies. By purchasing many policies as a package, you will enjoy lower costs and manage your policies better. This policy includes:
For your business to be eligible to purchase a BOP, you must meet minimum requirements such as:
A BOP will cover the following:
The coverage limit of your BOP is $2 million to $4 million. You can obtain higher limits if the coverage is insufficient to cover your risks.
Yes, most providers will allow you to cancel the insurance policy. But you will have to pay cancellation fees.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Your tools and equipment are integral when running your ice skating rink. In case these items are stolen or damaged, the tools and equipment insurance will pay for repair and replacement costs. The policy also covers borrowed gear. This coverage is usually available as part of an add-on to other policies, such as general liability insurance.
The coverage limit for your tools and equipment insurance is $2,500-$100,000. Insurers will base the coverage limit according to the value of your items.
Yes, it provides coverage for rented items. But you must notify your provider if you have rented equipment or tools.
No, these two policies are different. The tools and equipment insurance will only cover items used in your business operation, such as skates. In contrast, property insurance covers your buildings and other similar physical assets.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $41 | $492 | $0-$500 |
| Commercial property insurance | $51 | $612 | $1,000-$2,000 |
| Business owner’s policy | $92 | $1,104 | $1,500 |
| Tools and equipment insurance | $46 | $552 | $500-$1,000 |
| Workers comp insurance | $70 | $840 | $2,500-$5,000 |
The average ice skating rink insurance cost is $41 per month or $492 per year for a $1 million general liability insurance. Factors that affect how much you pay are claims history, business history, policy limits, location, deductibles, revenues, and number of employees. Each insurance provider has their premiums. Here’s a table showing the cost of $1 million general liability insurance from companies we recommend.
| Cost per Month | Cost per Year | Best for Ice Skating Rink Insurance | |
|---|---|---|---|
| NEXT | $20 | $240 | Small for small ice skating rinks who want affordable coverages. |
| CoverWallet | $25 | $300 | Ice skating rinks that want to compare quotes online |
| The Hartford | $29 | $348 | Large ice skating rinks that have complex insurance needs |
| Tivly | $31 | $372 | Comparing ice skating rink insurance quotes over the phone |
| Thimble | $33 | $396 | Small ice skating rinks looking for seasonal coverage |
| Hiscox | $35 | $420 | Large skating rinks looking for comprehensive coverage |
Get all the best quotes from leading providers in a click of a button!
Finding a reputable ice skating insurance company gives you peace of mind. A good insurer should be easy to access and allow fast claims processing. Here is an overview of some of the best insurance companies and brokers in the market:
NEXT has been offering multiple insurance products since 2016. This provider operates online and offers customers multiple products. You can easily acquire your policy or make a claim on their platform. It mostly offers customized insurance products for small businesses.
Best for: Small for small ice skating rinks who want affordable coverages.
Average cost: $20 per month
Our rating: 10/10
CoverWallet has been operational since 2015. It is an insurance broker that connects small businesses to various providers. You can conveniently get quotes from several carriers and select the one that suits your needs. They offer several insurance products which will offer your business comprehensive coverage.
Best for: Ice skating rinks that want to compare quotes online
Average cost: $25 per month
Our rating: 10/10
The Hartford offers casualty and property insurance for businesses. They have multiple insurance products that you can easily purchase from their website. This company also provides specialized insurance products for specific industries, such as ice skating rinks.
Best for: Large ice skating rinks that have complex insurance needs
Average cost: $29 per month
Our rating: 10/10
Tivly is a popular insurance agency. They help businesses find the most affordable and convenient insurance coverage options. Their mission is to connect you with various market-based providers. They will assist you in making an informed decision based on your business’s requirements. Call now and compare quotes over the phone.
Best for: Comparing ice skating rink insurance quotes over the phone
Average cost: $31 per month
Our rating: 10/10
Thimble is another popular insurance provider. They have on-demand policies. You get coverage for a day or even an hour. Businesses looking for short-term or project-based insurance coverage have the best options.
Best for: Small ice skating rinks looking for seasonal coverage
Average cost: $33 per month
Our rating: 9/10
Hiscox is an insurance company with a long history in the industry. This company is renowned for its strong financial stability. They have experienced underwriters who will help you get the correct coverage limit and add-ons.
Best for: Large skating rinks looking for comprehensive coverage
Average cost: $35 per month
Our rating: 9/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
0 / 10
Not recommended, worst company I've dealt with. Denying claims regularly.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Highest level of plan and customer service
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
My experience with AAA's business insurance was fairly good. Customer service is excellent, coverage is broad, claims process was efficient. I do recommend them.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
Not all those who wander are lost.
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