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. Some of the incidents it will cover include:
Bodily injury–A customer can get injured in your ice skating rink. The coverage will cater for hospital bills or rehabilitation expenses of the claimant
Property damage–Your business activities can lead to property damage to your neighboring business or third party. This skating rink insurance will cover the damages
Advertising injury–While marketing your business, you can be sued for copyright infringement
Personal property insurance–This coverage is essential; it covers your fixtures, equipment, or furniture from damages
Employee benefits liability insurance–Your employees can sue you for unfair employment practices such as harassment. This coverage will pay the legal and settlement fees
Liquor liability insurance–If your business sells alcohol, you need a cover to protect yourself from alcohol-related claims. Liquor liability insurance will cover the cost of legal defense, settlements, and court judgments
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:
Slip and fall accidents
A skater collides with another skater
A spectator is hit by a flying object
A visitor trips over a damaged area of flooring
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.
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| 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:
Fire
Theft
Vandalism
Winds
Lightning
Hail
Snow
Flood insurance–Your standard commercial property insurance might not offer sufficient flood cover. If you feel that floods are a potential risk, consider adding flood insurance.
Equipment breakdown coverage–This will cover replacing and repairing costs of your equipment.
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:
General liability insurance
Commercial property insurance
Business interruption insurance
For your business to be eligible to purchase a BOP, you must meet minimum requirements such as:
Be a low-risk business venture
Have less than 100 employees
Operate in a small-scale commercial space
A BOP will cover the following:
Bodily injury to a third party–a customer or visitor can get hurt in your business premises; the BOP will pay for hospital bills and legal costs
Property damage of a third party–BOP helps to cater for repair or replacement costs of a third party's damaged properties
Product liability–If you sell any products, you can be sued if they cause harm to the consumers. The product liability coverage will protect your business from such risks
Advertising injuries– A competitor can sue your business for slander, libel, or copyright infringement; the BOP will cover lawsuit costs
Business property damage–BOP will pay for replacement and repair costs if covered events damage your business property
Business interruption insurance covers your business lost income in case of short-term disruptions in your operations
Business renter's insurance covers your rented commercial space from events such as floods, fire, or vandalism
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.
Inland marine insurance–Protects your items while they are in transit. But this cover is only eligible as long as the goods are being transported
Equipment breakdown insurance-–Mechanical or electrical problems can cause your equipment to become dysfunctional. This coverage will help to pay for replacement and repair costs. It also covers lost income during that period
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 |
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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:
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for ice skating rinks
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
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
Industry experts
Compare quotes quickly online
Compare quotes online with one click of a button
HNOA coverage automatically included in general liability insurance
Not an insurance company but an insurance broker
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
Comprehensive coverage options
Renowned company for workers comp insurance
Caters high risk customers
Limited add-ons
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
Responsive customer service
Compare insurance quotes over the phone
A partner of many reputable insurance companies
You need to call to get a quote
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
Quick to issue an estimate of your rates
Has high TrustPilot ratings
Temporary insurance is available
Limited coverage options
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
Customizable policies
Multiple add-ons to base insurance products
Experienced underwriters
Online quoting not available all the time due to periodic site maintenance
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
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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