Table of contents
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.
| 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 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 normally range from $500,000 to $2 million. Some insurance companies may offer higher coverage limits as well.
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
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
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 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.
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.
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
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.
Get all the best quotes from leading providers in a click of a button!
| 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 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.
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.
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
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.
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
| 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 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.
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
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
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.
| 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 |
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.
They offer coverage for tools and equipment insurance for skate parks vary depending on the value of the insured equipment and the specific policy.
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
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
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 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.
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.
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
Employer’s liability insurance–This coverage protects employers against lawsuits filed by employees who are injured on the job.
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.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| 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 Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for skateparks |
| CoverWallet | $50 | $600 | Comparing insurance quotes for skateparks online |
| The Hartford | $100 | $1,200 | Sports and recreation businesses, including skate parks |
| Tivly | $50 | $600 | Comparing skate park insurance quotes over the phone |
| Thimble | $60 | $720 | On-demand coverage for skate parks |
| Hiscox | $100 | $1,200 | Skatepark insurance that automatically renews every year |
Get all the best quotes from leading providers in a click of a button!
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 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
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
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
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
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
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
Provides coverage for a wide range of risks and liabilities
Offers affordable rates and flexible payment options
Has a user-friendly online application process
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
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
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
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
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
2 / 10
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another.... Read More
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
2 / 10
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another.... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
10 / 10
Their business insurance products are by far the best business decision I've made financially. Got us covered when we needed it and for such a bargain cost. Couldn't recommend more!
10 / 10
Excellent business insurance policies at cheap rates. Claim process was easy and helped us cover financial loss.
10 / 10
Great rates and excellent service. Our business feels safe.
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
Not all those who wander are lost.
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