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.
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| 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
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!
Not all those who wander are lost.
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