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

If you own or operate a roller skating rink, it’s important to have insurance coverage to protect you in case of accidents or injuries. Roller skating rink insurance can cover a range of potential risks, including slip and fall accidents, equipment damage, and liability claims. 

In this article, we’ll explore roller skating insurance in more detail, including the types of coverage available, the average cost of insurance, and where to find quotes for your specific needs. Whether you’re a new or experienced rink owner, understanding your insurance options is essential for protecting your business and your customers.

General Liability Insurance for Rolling Skating Rinks 

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $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 Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included


General liability insurance is designed to cover the costs associated with third-party bodily injury or property damage claims. This policy covers accidents and incidents on your roller skating rink property, such as slip and fall accidents, collisions, and equipment malfunctions. 

Coverage limits for general liability insurance for roller skating rinks typically range from $1 million to $2 million per occurrence, with a $2 million aggregate limit. Here are some specific situations where general liability insurance for roller skating rinks can help:

  • A customer’s personal property, such as their phone or bag, is damaged while at the rink

  • A customer sustains injuries while using roller skating equipment, such as skates or protective gear

  • A third party sustains injuries due to negligence on the part of an employee or your business, such as a failure to maintain the skating rink facilities properly

Add-ons to General Liability Insurance for Rolling Skating Rinks 

  • Product liability insurance–Provides coverage for injuries or damages caused by a product sold or supplied by your business

  • Cyber liability insurance–Provides coverage for expenses associated with a data breach or cyber attack on your business’s computer systems

Public Liability Insurance for Rolling Skating Rinks 

Public liability insurance for roller skating rinks covers legal liability for third-party bodily injury and property damage claims. This policy can help protect your business from costly lawsuits and legal expenses. Coverage limits for public liability insurance for roller skating rinks typically range from $1 million to $ 5 million per occurrence.


Specific SituationsWhere This Insurance Can Help

  • If a customer is injured while using the roller skating rink facilities or equipment

  • Customer’s personal property, such as their phone or bag, is damaged while at the rink

  • Third-party is injured due to negligence on the part of your business or an employee

  • A third party’s property is damaged while on your roller skating rink premises

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Travel Insurance for Rolling Skating Rinks

Travel insurance for roller skating rinks is a type of insurance policy that covers accidents and incidents while traveling. This can cover lost luggage, lost equipment, medical expenses, and more.  Travel insurance covers many incidents that can occur while traveling with your equipment. These incidents include:

  • Damage or loss of equipment during transit

  • Injury to employees or customers during transportation

  • Theft or vandalism of equipment while in transit

Travel insurance coverage limits for roller skating rinks depend on your chosen policy. 

Commercial Property Insurance for Rolling Skating Rinks

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
Building coverage limit (minimum) $50,000 $340,000 $25,000/$500,000 $35,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $35,000 $15,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


Commercial property insurance for roller skating rinks is designed to provide financial protection to skating rink owners against the risk of physical damage or loss to their property caused by unexpected events such as theft, fire, or natural disasters. This insurance policy covers all commercial property types, including buildings, furniture, equipment, and inventory. The coverage limits usually range from $300,000 to $1,000,000. 


Add-Ons Commercial Property Insurance for Rolling Skating Rinks 

  • Crime coverage–This can help protect against theft or embezzlement of money, property, or equipment from the rink.

  • Equipment breakdown coverage–Protects against mechanical or electrical failures of important equipment

  • Flood or earthquake coverage–Covers the cost of repair or reconstruction if the covered business property is damaged or destroyed by flood or earthquake

Business Owner’s Policy for Rolling Skating Rinks

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $320,000 $25,000/$500,000 $35,000 $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


A business owner’s policy (BOP) is an insurance policy that combines several types of coverage into one package specifically designed for small businesses, including roller skating rinks. The coverage limits of a BOP for roller skating rinks depend on the specific policy and the business needs. 

The coverage limits for general liability insurance typically range from $1 million to $2 million per occurrence, while the coverage limits for property insurance may vary based on the property’s value. A BOP for roller skating rinks can help protect the business in the following situations:

  • Property damage caused by fire, theft, or vandalism

  • Liability claims arising from slip-and-fall accidents, collisions, or other incidents on the premises

  • Employee injuries resulting from accidents or exposure to hazardous materials

  • The business interruption caused by a covered event, such as a natural disaster or power outage

  • Equipment breakdown resulting in the loss of business income

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

  • Employment practices liability insurance, which provides coverage for claims of discrimination, harassment, or wrongful termination

  • Professional liability insurance, which provides coverage for claims of professional negligence or errors and omissions

  • Cyber liability insurance, which provides coverage for losses resulting from a data breach or other cyber incident

How Can Roller Skating Rink Owners Ensure Adequate Coverage Under a Business Owner’s Policy?

As an owner, you can ensure adequate coverage under a business owner’s policy by assessing your risks and working with an experienced insurance provider to customize your coverage. It is essential to choose a policy with appropriate coverage limits and consider any additional coverage options necessary to protect the business. Regular policy review and risk assessment can also help ensure adequate coverage.


Tools and Equipment Insurance for Rolling Skating Rinks 

NEXT  Thimble Hiscox
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No
Miscellaneous equipment also covered? $5,000/$10,000 No Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes
Deductible $500 $500 $0


Roller skating rinks require specialized equipment and tools for their operations, which can be costly to repair or replace in case of damage or theft. Tools and Equipment Insurance for Roller Skating Rinks covers the tools and equipment used in business operations, protecting the business from financial losses from equipment damage or theft. The Insurance can cover up to $100,000 worth of equipment, but businesses can purchase additional coverage if required.


Situations Where This Insurance Can Help

  • If a power outage damages equipment and causes a loss of income due to business interruption, this insurance can cover the associated costs

  • If equipment rental is needed, this insurance can cover the resulting expenses

  • If equipment or tools are accidentally damaged by a customer, employee, or another third party, this insurance can cover the repair or replacement cost

Workers Compensation Insurance for Rolling Skating Rinks 

Workers’ compensation insurance for rolling skating rink is essential to protect your employees in case of injury or illness. This type of insurance can cover medical expenses, lost wages, and rehabilitation costs for employees who are injured while working at your rink. 

Coverage limits in most states are $100,000 per occurrence for bodily injuries. $100,000 per employee for bodily injury by occupational disease. $500,000 policy limit for bodily injuries by disease. Specific situations where workers’ compensation insurance can help include:

  • Collision injuries–Employees can collide with other employees or customers while skating or performing job-related tasks, resulting in bruises, cuts, and broken bones

  • Electrical injuries–Employees can be electrocuted while working with electrical equipment like lights or sound systems

  • Illnesses from exposure–Employees can become ill from exposure to chemicals or cleaning agents used in the rink

  • Transportation accidents–If your employees drive as part of their job duties, they may be involved in a transportation accident while on the job. Workers’ compensation insurance can help cover medical expenses and lost wages from such accidents

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Roller Skating Rink Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $40 $480 $0-$500
Commercial property insurance $45 $540 $500-$1,000
Business owner’s policy $52 $624 $1,000-$2,000
Workers comp insurance $129 $1,548 $1,500
Tools and equipment insurance $42 $504 $500-$1,000


The average roller skating rink insurance cost is $40 per month or $480 per year for a $1 million general liability coverage.  Some of the factors that can influence the cost of roller skating rink insurance include:

  • The size of the rink–Larger rinks typically require more coverage, which can increase the cost of insurance

  • The location of the rink–Insurance costs can vary depending on the state where your rink is located, the local area’s crime rate and other factors

  • The number of employees–The more employees you have, the more workers’ compensation insurance you will need, which can increase the cost of insurance

  • The type of coverage–The types and amount of coverage you choose can also impact the insurance cost. For example, if you choose to add additional coverage like commercial property insurance, this can increase the overall cost

  • Your claims history–If you have had a lot of insurance claims in the past, this can increase your insurance premiums

Here is a table showing the rates of a $1 million general liability insurance from the best roller skating rink insurance companies:

Cost per Month Cost per Year Best for
NEXT $11 $132 Comparing roller skating rink insurance quotes online
CoverWallet $22 $264 Comprehensive insurance coverage and specialized industry expertise
The Hartford $24 $288 Comprehensive insurance coverage and specialized industry expertise
Tivly $26 $312 Comparing roller skating rink insurance quotes over the phone
Thimble $30 $360 On-demand coverage for roller skating rinks
Hiscox $33 $396 Rolling skating rink insurance that automatically renews yearly

Compare Cheap Roller Skating Rink Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Roller Skating Insurance Companies

When choosing the best insurance for roller skating rink company, you want to ensure you’re working with a reputable provider that offers comprehensive coverage at a reasonable cost. Here’s are the best options on the market. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance. 


NEXT Roller Skating Insurance

Pros

  • Obtaining the insurance certificate right away

  • Up to 25% discount for combining various products

  • Best overall

  • Fastest general liability insurance

  • Frequently praised by clients on many review websites

Cons

  • Couldn’t find any

NEXT Insurance is a company that offers insurance solutions for small businesses, using technology as a core component of its operations. The company was established in 2016 and has its headquarters in Palo Alto, California.

Best for: Best overall; Fastest general liability insurance for roller skating rinks 

Average cost: $11 per month

Our rating: 10/10


CoverWallet Roller Skating Insurance

Pros

  • Application process online is quick and simple

  • Possibility of adding or changing policies as business requirements change

  • Tailored insurance plans based on the requirements of the company

  • Digital platform that is simple for buying and maintaining insurance products

  • A variety of insurance companies to select from

  • Access to qualified insurance agents for professional advice

Cons

  • Not an insurance company but an insurance broker

Established in 2015, CoverWallet is an online insurance platform providing a range of insurance products for small businesses. The company offers bundled insurance options combining different policies, such as consultant and general liability insurance, to provide better protection. This approach can enhance the comprehensiveness of coverage and protect a wider array of risks for small businesses. 

Best for: Comparing roller skating rink insurance quotes online 

Average cost: $22 per month

Our rating: 10/10


The Hartford Roller Skating Insurance

Pros

  • High ratings for financial soundness from reputable rating organizations

  • Offers a variety of business insurance products

  • Provides specialized coverage for different industries, including roller rink companies

  • Offers discounts for bundling multiple insurance policies

Cons 

  • The insurance premium cost is relatively greater than what some other insurance companies charge

The Hartford is an American insurance company founded in 1810 and headquartered in Hartford, Connecticut. They have a high policy limit allowing you to cover more if needed.

Best for: Comprehensive insurance coverage and specialized industry expertise

Average cost: $24 per month

Our rating: 10/10


Thimble Roller Skating Insurance

Pros 

  • In the event that you terminate an insurance agreement, Thimble offers reimbursement.

  • Thimble offers flexible insurance options that allow businesses to purchase coverage on an hourly, daily, or monthly basis. This feature can be particularly advantageous for seasonal or on-demand businesses

Cons 

  • It is not impossible to contact customer service by phone

Thimble is a digital insurance provider that offers on-demand insurance policies for various small businesses. The company was founded in 2016 and is headquartered in New York City. Thimble specializes in offering short-term insurance coverage for rolling skating rinks.

Best for: On-demand coverage for roller skating rinks 

Average cost: $26 per month 

Our rating: 9/10

Tivly Roller Skating Insurance

Pros

  • Get insurance quotes for consultants over the phone and compare them

  • Receive prompt and helpful customer service

  • If they can’t offer you the necessary coverage, it will connect you with partner insurance providers

Cons

  • No online quotes

Tivly is a recently established insurance company, founded in 2009. The company provides several insurance options that are customizable to meet the unique needs of businesses. Tivly’s policies can be acquired online, making it easy and convenient for small business owners to purchase the coverage they require. Call now to compare quotes over the phone. 

Best for: Comparing roller skating rink insurance quotes over the phone 

Average cost: $30 per month

Our rating: 8/10


Hiscox Roller Skating Insurance

Pros

  • 14-day refund policy with money-back

  • Offers a variety of additional resources and tools to help businesses manage risk and prevent incidents

  • Small business-focused

  • Experts with liability insurance

Cons 

  • Coverage options not available in Alaska

Hiscox is a multinational insurance company established in Bermuda in 1901. The company provides diverse insurance products suitable for businesses of any magnitude. With a global presence in 14 countries, Hiscox has a workforce of over 3,000 employees. The company offers insurance policies that are customizable, enabling businesses to personalize coverage to their specific requirements.

Best for: Rolling skating rink insurance that automatically renews yearly 

Average cost: $33 per month 

Our rating: 8/10

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