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.
|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|
|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
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 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.
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 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.
|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|
|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.
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
|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|
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
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
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.
|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|
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.
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 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
|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|
Get all the best quotes from leading providers in a click of a button!
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.
Obtaining the insurance certificate right away
Up to 25% discount for combining various products
Fastest general liability insurance
Frequently praised by clients on many review websites
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
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
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
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
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
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
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
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
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
14-day refund policy with money-back
Offers a variety of additional resources and tools to help businesses manage risk and prevent incidents
Experts with liability insurance
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
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
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!