Ice Skating Rink Insurance: Cost & Quotes From $35/mo

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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.

General Liability Insurance for Ice Skating Rinks 

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

Add-Ons to General Liability Insurance for Ice Skating Rinks

  • 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

Coverage Limits of General Liability Insurance for Ice Skating Rinks

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.


What Should You Check When Shopping for This Skating Rink Insurance Policy?

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.


Are There Exclusions to This Ice Rink Insurance?

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 for Ice Skating Rinks 

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

Coverage Limits of Public Liability Insurance for Ice Skating Rinks

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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Commercial Property Insurance for Ice Skating Rinks 

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

Add-Ons to Commercial Property Insurance for Ice Skating Rinks 

  • 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.

Coverage Limits of Commercial Property Insurance for Ice Skating Rinks 

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. 


Should You Take an All-Risk or Named Perils Coverage?

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.


Will Your Commercial Property Insurance Cover Lost Income?

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.


Business Owner’s Policy for Ice Skating Rinks 

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

Add-Ons to Business Owner’s Policy for Ice Skating Rinks 

  • 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

Coverage Limits of Business Owner’s Policy for Ice Skating Rinks

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.


Can You Cancel Your Ice Skating Rink BOP?

Yes, most providers will allow you to cancel the insurance policy. But you will have to pay cancellation fees.


Tools and Equipment Insurance for Ice Skating Rinks 

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.


Add-Ons to Tools and Equipment Insurance for Ice Skating Rinks 

  • 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

Coverage Limits of Tools and Equipment Insurance for Ice Skating Rinks 

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.


Can Tools and Equipment Insurance Cover Rented Items?

Yes, it provides coverage for rented items. But you must notify your provider if you have rented equipment or tools.


Are Tools and Equipment Insurance Similar to Property Insurance?

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.

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Ice Skating Insurance Cost

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

Compare Cheap Ice Skating Rink Insurance Quotes Online

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Best Ice Skating Rink Insurance Companies

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 Ice Skating Rink Insurance

Pros

  • 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 

Cons

  • 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


CoverWallet Ice Skating Rink Insurance

Pros

  • Industry experts

  • Compare quotes quickly online 

  • Compare quotes online with one click of a button

  • HNOA coverage automatically included in general liability insurance

Cons

  • 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


The Hartford Ice Skating Rink Insurance

Pros

  • Comprehensive coverage options

  • Renowned company for workers comp insurance

  • Caters high risk customers

Cons

  • 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


Tivly Ice Skating Rink Insurance

Pros

  • Responsive customer service

  • Compare insurance quotes over the phone

  • A partner of many reputable insurance companies 

Cons

  • 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


Thimble Ice Skating Rink Insurance

Pros

  • Quick to issue an estimate of your rates

  • Has high TrustPilot ratings

  • Temporary insurance is available

Cons

  • 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


Hiscox Ice Skating Rink Insurance

Pros

  • Customizable policies

  •  Multiple add-ons to base insurance products

  • Experienced underwriters

Cons

  • 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

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