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Skatepark Insurance: Cost & Quotes From $35/mo

Table of contents
1. General Liability Insurance for Skate Parks1.1. Coverage Limits of General Liability Insurance for Skate Parks1.2. Specific Situati1.3. Add-Ons to General Liability Insurance for Skate Parks1.4. Does General Liability Insurance for Skate Parks Cover Injuries the Skate Park Owner or Employees Sustained?2. Public Liability Insurance for Skate Parks2.1. Coverage Limits of Public Liability Insurance for Skate Parks2.2. Specific Situations Where This Insurance Can Help2.3. What Happens if a Person Is Injured at the Skate Park Due to Their Own Negligence?3. Commercial Property Insurance for Skate Parks3.1. Coverage Limits of Commercial Property Insurance for Skate Parks3.2. Specific Situations Where This Insurance Can Help3.3. Add-Ons to Commercial Property Insurance for Skate Parks3.4. Are There Any Exclusions to Commercial Property Insurance Coverage That Skatepark Owners Should Be Aware Of, Such as Damage Caused by Certain Events or Negligence on the Part of the Owner?4. Business Owner’s Policy for Skate Parks4.1. Coverage Limits of Business Owner’s Policy for Skate Parks4.2. Specific Situations Where This Insurance Can Help4.3. Add-Ons to Business Owner’s Policy for Skate Parks 5. Tools and Equipment Insurance for Skate Parks5.1. Coverage Limits of Tools and Equipment Insurance for Skate Parks5.2. Specific Situations Where This Insurance Can Help5.3. Add-Ons to Tools and Equipment Insurance for Skate Parks5.4. What Types of Tools and Equipment Can Be Covered by This Insurance?6. Workers' Compensation Insurance for Skate Parks6.1. Coverage Limits of Workers' Compensation Insurance for Skate Parks6.2. Specific Situations Where This Insurance Can Help6.3. Add-Ons to Workers' Compensation Insurance for Skate Parks6.4. What is the Process for Filing a Workers’ Compensation Claim for an Injury Sustained at a Skate Park?7. Skatepark Insurance Cost8. Best Skate Park Insurance Companies8.1. NEXT Skate Park Insurance 8.1.1. Pros8.1.2. Cons8.2. CoverWallet Skate Park Insurance 8.2.1. Pros8.2.2. Cons8.3. The Hartford Skate Park Insurance 8.3.1. Pros8.3.2. Cons8.4. Tivly Skate Park Insurance 8.4.1. Pros8.4.2. Cons8.5. Thimble Skate Park Insurance 8.5.1. Pros8.5.2. Cons8.6. Hiscox Skate Park Insurance 8.6.1. Pros8.6.2. Cons

If you own or operate a skatepark, it is essential to have insurance to protect your business and customers from accidents and incidents. Skatepark insurance covers liability, property damage, workers' compensation, and other potential risks associated with skateparks. This article will explore the different skatepark insurance policies available. 

General Liability Insurance for Skate Parks


CoverWallet NEXT (Best)Thimble HiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included


General liability insurance is a policy that provides coverage for legal and financial responsibilities that a skate park owner may face in case of accidents, injuries, or property damage caused by the skate park's operations. This insurance protects the owner from the financial consequences of lawsuits or claims.


Coverage Limits of General Liability Insurance for Skate Parks

Coverage limits normally range from $500,000 to $2 million. Some insurance companies may offer higher coverage limits as well.


Specific Situati

  •  Skateboarder falls and injures themselves while using a feature of the park

  • The spectator is hit by a skateboard and suffers injuries

  • Visitor's property is damaged while at the skate park

  • Third-party is injured while in the skate park's parking lot or the surrounding area

  • Legal fees and court costs associated with defending against a lawsuit related to the skate park


Add-Ons to General Liability Insurance for Skate Parks

  • Product liability insurance–Covers damages or injuries caused by products sold at the skate park, such as skateboards or safety gear.

  • Liquor liability insurance–If the skate park sells alcohol, this insurance will protect the owner from liability arising from injuries or damages caused by a drunk patron.

  • Assault and battery insurance–This policy covers legal and medical costs associated


Does General Liability Insurance for Skate Parks Cover Injuries the Skate Park Owner or Employees Sustained?

General liability insurance does not cover injuries the skate park owner or employees sustained. For this, the skate park owner may need workers' compensation insurance.


Public Liability Insurance for Skate Parks

Public liability insurance for skate parks is a type of insurance policy that provides coverage to the owner of a skate park in case of legal claims or financial damages resulting from incidents on their premises. This insurance policy can cover legal fees and compensation costs related to injuries, property damage, or any other loss that may arise from accidents or incidents at the skate park.


Coverage Limits of Public Liability Insurance for Skate Parks

The coverage limit for public liability insurance ranges from $1 million to $5 million, depending on the level of risk involved and the type of skate park.


Specific Situations Where This Insurance Can Help

  • If someone gets injured due to equipment failure, such as a broken skateboard ramp or defective safety gear, you may be held responsible for the injuries and the resulting costs.

  • If there is damage to public property due to the skatepark operations, such as the pavement or the surrounding landscaping, you may be liable for the damage caused

  • If a skateboarder falls and injures themselves while skating on your premises, they may hold you responsible for their injuries and seek compensation


What Happens if a Person Is Injured at the Skate Park Due to Their Own Negligence?

If a person is injured at the skate park due to their own negligence, they may not be able to claim compensation from the skate park owner. However, if the skate park owner was found negligent in maintaining the park or providing adequate safety measures, they could still be held liable.

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Commercial Property Insurance for Skate Parks


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
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 signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


Commercial property insurance for skate parks protects your business property, including your building, equipment, inventory, and other physical assets. This type of insurance can provide financial protection against losses or damages caused by unexpected events such as fire, theft, vandalism, and natural disasters.


Coverage Limits of Commercial Property Insurance for Skate Parks

Commercial property insurance coverage limit for Skate Parks varies based on the value of the insured property. It's essential to ensure adequate coverage to replace or repair your property in case of loss or damage.


Specific Situations Where This Insurance Can Help

  • Fire damage to the building, equipment, and inventory

  • Damage due to natural disasters such as storms or floods

  • Accidents or incidents that cause damage to the building or equipment, such as a vehicle crashing into the skatepark


Add-Ons to Commercial Property Insurance for Skate Parks

  • Business interruption insurance–This type of insurance provides financial protection for loss of income and expenses when your business operations are suspended due to an insured loss.

  • Equipment breakdown insurance–This coverage provides financial protection for repairing or replacing equipment due to mechanical or electrical breakdowns, including skatepark equipment such as lights and sound systems.


Are There Any Exclusions to Commercial Property Insurance Coverage That Skatepark Owners Should Be Aware Of, Such as Damage Caused by Certain Events or Negligence on the Part of the Owner?

There may be certain exclusions to commercial property insurance coverage that skatepark owners should be aware of. These exclusions may differ depending on the insurance company and policy. Still, some common ones include:

  • Intentional damage–If a skatepark owner intentionally damages their property or equipment, commercial property insurance may not cover repairing or replacing it

  • Flood or earthquake damage–Some policies may exclude coverage for damage caused by natural disasters like floods or earthquakes, so it's important to check with your insurance provider to ensure you have adequate coverage for these types of events

  • Wear and tear–Normal wear and tear of equipment or property is not typically covered under commercial property insurance

  • Negligence–If a skatepark owner is found to be negligent in their maintenance of the property or equipment, resulting in damage or injury to visitors, the insurance policy may not cover the cost of any resulting claims or damages


Business Owner’s Policy for Skate Parks


CoverWalletNEXT (Best)Thimble The HartfordHiscox
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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


A business owner's policy (BOP) is a packaged insurance policy that combines property and liability coverage for small and medium-sized businesses, including skate parks. It offers a comprehensive solution to protect your business against various risks that it may face, such as property damage, liability claims, and loss of income.


Coverage Limits of Business Owner’s Policy for Skate Parks

The coverage limits of a BOP for skate parks may vary depending on several factors, such as the park's size, location, value of the property, and level of risk. However, a typical BOP may include the following types of coverage:

  • General liability: This coverage protects your skate park against claims of bodily injury, property damage, or personal injury caused by your business operations or premises

  • Business interruption: This coverage compensates you for lost income and other expenses if your skate park is temporarily closed due to a covered event, such as a fire or natural disaster

  • Cyber liability: This coverage protects your skate park against losses caused by cyber threats, such as data breaches or cyber-attacks


Specific Situations Where This Insurance Can Help

  • A customer slips and falls on a wet surface in the skate park, suing you for medical expenses.

  • Fire breaks out and damages the building, equipment, and inventory.

  • Thief steals your skate park's equipment and inventory.

  • Disaster damages the building and equipment


Add-Ons to Business Owner’s Policy for Skate Parks

  • Equipment breakdown–Covers the cost of repairs or replacement for equipment that breaks down due to mechanical or electrical failure

  • Employment practices liability–This coverage protects your skate park against claims of wrongful termination, discrimination, harassment, or other employment-related practices

  • Umbrella liability–This coverage provides additional liability protection above the limits of your primary coverage.


Tools and Equipment Insurance for Skate Parks


NEXT ThimbleHiscox
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/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoYes
Offered as an endorsement to general liability insurance?YesYesYes
Deductible$500$500$0


This insurance for skate parks provides coverage for loss, theft, or damage to the tools and equipment used in the operation and maintenance of the skate park.


Coverage Limits of Tools and Equipment Insurance for Skate Parks

They offer coverage for tools and equipment insurance for skate parks vary depending on the value of the insured equipment and the specific policy.


Specific Situations Where This Insurance Can Help

  • Damage incurred to tools or equipment due to natural calamities

  • If tools or equipment are harmed or impaired due to unexpected and uncontrollable events, such as fires, water damage, or other risks

  • Damage to tools or equipment resulting from willful and destructive behavior or intentional harm


Add-Ons to Tools and Equipment Insurance for Skate Parks

  • Inland marine insurance provides additional coverage for tools and equipment frequently transported to different locations outside the skate park

  • Business interruption insurance covers lost income and expenses when the skate park cannot operate due to a covered loss


What Types of Tools and Equipment Can Be Covered by This Insurance?

Tools and equipment insurance for skate parks can cover a wide range of tools and equipment used in the operation and maintenance of the park, including skateboards, protective gear, ramps, rails, and other equipment.


Workers' Compensation Insurance for Skate Parks

Workers' compensation insurance benefits employees injured or ill while on the job. This skateboard park insurance policy covers medical expenses, lost wages, and rehabilitation costs for injured workers.


Coverage Limits of Workers' Compensation Insurance for Skate Parks

Generally, workers' compensation insurance depends on the state and the business size. It covers medical expenses, lost wages, and rehabilitation costs for injured workers. Some policies may also provide death benefits for the families of workers who are killed on the job.


Specific Situations Where This Insurance Can Help

  • Repetitive motion injuries–Employees who perform the same motions repeatedly, such as a cashier or a maintenance worker, may develop repetitive motion injuries, and workers' compensation insurance can help cover the cost of treatment and rehabilitation

  • Equipment-related injuries–Employees operating machinery or using tools may be at risk of injury. Workers' compensation insurance can help cover the cost of medical treatment if an employee is injured while using the equipment


Add-Ons to Workers' Compensation Insurance for Skate Parks

  • Employer's liability insurance–This coverage protects employers against lawsuits filed by employees who are injured on the job.


What is the Process for Filing a Workers’ Compensation Claim for an Injury Sustained at a Skate Park?

Filing a workers' compensation claim for an injury sustained at a skate park typically involves notifying the employer as soon as possible, seeking medical treatment, and completing the necessary paperwork to file a claim. Employees need to report their injuries to their employer as soon as possible to ensure that their claim is processed in a timely manner.

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Skatepark Insurance Cost


Cost per MonthCost per YearDeductible
General liability insurance$55$660$0-$500
Commercial property insurance$57$684$500-$1,000
Business owner's policy$113$1,356$1,000-$2,000
Workers comp insurance$125$1,500$1,500
Tools and equipment insurance$59$708$500-$1,000


The average skatepark insurance cost is $55 per month or $660 per year for a $1 million general liability insurance. Premiums depend on various factors such as the skate park's location, the park's size, the number of employees, the type of insurance policies purchased, and the coverage limits. Here’s a table of the recommended companies and their outdoor and indoor skatepark insurance cost. 


Cost per MonthCost per YearBest for
NEXT$25$300Best overall; Fastest general liability insurance for skateparks
CoverWallet$50$600Comparing insurance quotes for skateparks online
The Hartford$100$1,200Sports and recreation businesses, including skate parks
Tivly$50$600Comparing skate park insurance quotes over the phone
Thimble$60$720On-demand coverage for skate parks
Hiscox$100$1,200Skatepark insurance that automatically renews every year

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Best Skate Park Insurance Companies

This are insurance providers that offer insurance policies specifically designed to cater to the needs of skate parks. These companies provide coverage against various risks and liabilities that skate parks face, such as injuries, property damage, equipment damage, and more.

Skate park owners must choose the right skate park insurance company that understands their business and provides adequate coverage at a reasonable price. Here are the best-known companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.


NEXT Skate Park Insurance

Pros

  • NEXT Insurance offers affordable monthly rates

  • Their user-friendly online platform makes managing policies and file claims easy

  • NEXT Insurance has a knowledgeable and friendly customer service team

  • They offer a fast and easy claims process

  • NEXT Insurance has a solid reputation for providing excellent coverage and customer service

Cons

  • Couldn't find any

NEXT Insurance is a digital insurance company that provides business insurance coverage for skate parks in the United States. They offer comprehensive insurance policies such as general liability insurance, product liability insurance, commercial property insurance, and more.

Best for: Best overall; Fastest general liability insurance for skateparks

Average cost: $25 per month.

Our rating: 10/10


CoverWallet Skate Park Insurance

Pros

  • Offers a simple and user-friendly online application process

  • Provides customized insurance policies adjusted to specific business needs

  • Offers a variety of insurance products in addition to business insurance

  • Dedicated customer service team available for support

Cons

  • Not an insurance company but an insurance broker

CoverWallet is an online insurance platform catering to small and medium-sized businesses by offering various insurance products. They collaborate with multiple insurance providers to offer personalized coverage options to their clients.

Best for: Comparing insurance quotes for skateparks online

Average cost: $50 per month

Our rating: 9/10


The Hartford Skate Park Insurance

Pros

  • Offers specialized coverage options for sports and recreation businesses

  • Provides customizable insurance policies tailored to specific business needs

  • Has an A+ rating from A.M. Best for financial strength

  • Offers various discounts and rewards for policyholders

Cons

  • Some customers have reported poor customer service experiences

The Hartford is a leading provider of commercial insurance products for businesses of all sizes. They offer specialized coverage options for various industries, including sports and recreation.

Best for: Sports and recreation businesses, including skate parks

Average cost: $100 per month

Our rating: 9/10


Tivly Skate Park Insurance

Pros

  • Provides coverage for a wide range of risks and liabilities

  • Offers affordable rates and flexible payment options

  • Has a user-friendly online application process

Cons

  • No online quotes

Tivly is an online insurance firm that offers customized insurance policies catering to specific sports and recreation sectors. Call now to compare quotes over the phone.

Best for: Comparing skate park insurance quotes over the phone

Average cost: $50 per month

Our rating: 8/10


Thimble Skate Park Insurance

Pros

  • Their application process is straightforward and easily accessible through their online platform

  • They provide cost-effective rates and flexible payment plans

  • Offers personalized and adaptable insurance policies that cater to a diverse range of sectors, including the sports and recreation industry

Cons

  • Coverage may be limited compared to traditional insurance policies

Thimble is an online insurance provider that caters to independent contractors by offering professional liability insurance for consultants, which is included in their general liability insurance coverage.

Best for: On-demand coverage for skate parks

Average cost: $60 per month

Our rating: 8/10


Hiscox Skate Park Insurance

Pros

  • If unsatisfied with the service, you can get a full refund within 14 days of purchase.

  • A skatepark insurance team with expertise in insurance needs

  • Has an A rating from A.M. Best for financial strength

  • You can buy a consultant insurance policy through an online platform

Cons

  • BOP is exclusively available to businesses with fewer than ten employees

  • One potential drawback of Hiscox is that its insurance policies may not offer comprehensive coverage for policyholders

Hiscox is a global insurance company that provides commercial insurance coverage for businesses of all sizes. They offer specialized insurance products for various industries, including sports and recreation.

Best for: Skatepark insurance that automatically renews every year

Average cost: $100 per month

Our rating: 8/10


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