Ice Skating Rink Insurance Michigan

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Ice Skating Rink Insurance Michigan Policy Information

MI Ice Skating Rink Insurance

Ice Skating Rink Insurance Michigan. Ice skating with steel skates may have originated in the Netherlands over 6,000 years ago, but today, people across the globe enjoy ice skating for both athletic and recreational reasons.

Ice skating rinks are used for recreational purposes, ice skating practice and lessons, hockey, curling and related events. Many host birthday parties and other group events and have rooms specifically for these activities.

The rink may sponsor its own competitive teams. Most rinks host competitions for both figure and speed skating, hockey games, and curling tournaments.

Ice skates and equipment are available for purchase or rental. Skate repair and sharpening services are generally provided. Some ice skating rinks are owned by a governmental entity and operated or managed by private companies. Others are independently owned.

A few facilities offer both ice and roller skating as well as other recreational facilities. The ice skating rink is generally located inside a large open area building, although some are outdoors.

The rink is prepared by pouring a sand or concrete foundation and installing a refrigeration system. Water is added and frozen in layers. Lettering, lines, and paint are added to the first and second layers. When the top layer becomes rough, ice surfacing equipment is used to scrape off the old ice and replace it with a new layer.

Dasher boards are placed around the outside of the rink to separate the skating area from spectators. In some cases, tempered glass and Plexiglas are added to protect spectators, especially if the rink is used for hockey.

Snack and refreshment facilities offer soft drinks, pizza, popcorn, and similar items. Sound systems are an integral part of the exposure to provide music and announcements.

Outdoor ice skating rinks may temporarily erected during the winter months in cooler climates, but indoor ice skating rinks can remain open year-round.

If you own and run a MI commercial ice skating rink, you play an important role in your community by facilitating sports and recreation alike. While you will do your best to ensure that your business runs smoothly and continues to thrive, you also need to consider the consequences of unexpected events.

To protect your business even if catastrophe strikes, investing in the correct types of insurance is essential.

What kind of ice skating rink insurance Michigan coverage might be needed? To find out more, keep reading.

Ice skating rink insurance Michigan protects ice skating businesses from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Why Do Michigan Ice Skating Rinks Need Insurance?

Like other businesses, ice skating rinks face a range of risks, all of which result in unanticipated expenses. Although you may be able to cover the costs of minor perils on your own, major perils have the potential to bankrupt your business - unless, that is, you have armed yourself with excellent insurance coverage.

Some of the risks ice skating rinks face are shared by all commercial ventures. An act of nature, such as a flood or a wildfire, could damage your building and the assets within it - in turn leading not only to repair costs, but also devastating business interruptions. Theft and vandalism threaten every branch of commerce, too.

An employee could sustain an occupational injury, or a customer who is injured while skating at your facility could decide to file a lawsuit. Essential equipment, such as ice-resurfacing machines, could suddenly break down.

All these perils, and others, are associated with massive financial costs. If your ice skating rink is properly insured, however, the setback can be overcome, as your insurance company will shoulder a significant portion of the expenses you will have after falling victim to a catastrophic event.

This is why investing in the right kinds of ice skating rink insurance Michigan means investing in the future of your business.

What Type Of Insurance Do MI Ice Skating Rinks Need?

As the owner of an ice skating rink, you will legally be required to carry certain types of insurance, while you can opt to carry additional kinds of insurance to protect your financial interests.

The zip code of your MI ice skating rink, the size of your operation, the equipment you rely on, and your number of employees all influence your insurance needs. Because crafting the right insurance plan is complex, it is vital to consult a commercial insurance agent who can walk you through the process and answer all your questions.

However, the following types of ice skating rink insurance Michigan are going to be essential:

  • Commercial Property: This type of insurance protects your building, as well as the physical assets within it, from financial losses that could result from a multitude of perils that include burglary, vandalism, and acts of nature. It is essential for any commercial venture. An optional but recommended additional possibility that falls under the same category would be business interruption insurance, which will help replace revenue you lose in the aftermath if a disastrous event.
  • Commercial General Liability: To protect your business from the catastrophic financial blows associated with third party personal injury or property damage claims, an ice skating rink will need commercial general liability insurance. It covers attorney fees as well as settlement costs in cases where someone files a lawsuit against you.
  • Workers' Compensation: Required for any business with employees, this type of ice skating rink insurance Michigan has your back in the event that an employee suffers a work-related injury. It will not only help pay an injured employee's medical bills, but also replace any wages they lose if they are not able to return to work for a time.
  • Equipment Breakdown: This type of insurance helps cover the costs you incur if essential equipment breaks down under circumstances specified in the policy. While not legally required, carrying equipment breakdown insurance can lead to significant long-term financial savings.

These types of ice skating rink insurance Michigan are important examples of the kinds of coverage, but your business may require additional forms.

To find out more, get in touch with a seasoned commercial insurance broker.

MI Ice Skating Rink's Risks & Exposures

Premises liability exposures are significant due to the large numbers of visitors on premises and the type of operation. While falls are inevitable, the activities and conditions of the rink can be controlled to keep slower skaters separated from more experienced or aggressive skaters and reduce the frequency of falls.

Knee, elbow, and wrist guards, as well as helmets, are recommended for all participants. Skate guards should be present to enforce posted rules. Written rules should be posted, and procedures should be in place to remove individuals who violate those rules.

Skating surfaces should be regularly checked to identify and repair any wet or uneven areas. Any debris must be quickly removed to prevent trips by skaters. Spectator liability is a major concern, especially if hockey games are played.

Parking areas should be well maintained and free of snow and ice. Poorly maintained rental skates can contribute to falls on the ice that can result in broken legs and ankles.

Carbon monoxide or nitrogen dioxide poisoning is a possibility if non-electric ice surfacing machines are not properly maintained and if ventilation systems are not adequate. The rink may present an attractive nuisance hazard when not in use.

There must be adequate security to prevent unauthorized entry. The rink may have personal injury exposures from discrimination, defamation of character, wrongful eviction, false arrest, or unlawful detention. Contracts are important when sponsored events take place on premises.

Product liability exposures are from sales of skates and related equipment, food, and drink. Inadequate equipment repair can result in injury to skaters.

Workers compensation exposures are moderate. Skating employees, including instructors and rink guards, may be injured in falls or from a collision with customers or stationary objects. Customers may become unruly and harm employees.

Maintenance operations may result in lung, eye, or skin irritations and reactions due to exposure to ammonia from the refrigeration equipment. Snack bar employees are exposed to possible burns and kitchen related cuts, slips, and falls.

Employees may be required to work at heights to change lights or to work on overhead equipment. Customers may become unruly and harm employees.

Property exposures from fire are high due to the extensive electrical wiring for equipment such as dehumidifiers, heating systems, lighting and sound systems, and the refrigeration units. Electrical wiring must be in good repair and adequate to support operations. All units must be properly maintained and monitored.

If the rink is located indoors, the roof is susceptible to collapse if the large roof expanse is not adequately supported. Ammonia leaks may occur but are not usually considered a major fire hazard.

The buildings are generally in operation 12 hours or more a day, which puts extra pressure on all systems. Cooking exposures are normally light. If cooking involves more than popcorn makers or pizza ovens, all cooking equipment must be properly controlled.

Rinks may be a target for vandalism. Business income loss potential may be high after a loss due to the unavailability of backup facilities.

Equipment breakdown exposures are high due to the refrigeration systems, electrical control panels and other apparatus, and lighting and sound equipment used for skating events. Breakdown and loss of use to the refrigeration equipment could result in a significant loss, both direct and loss of income, as rinks may have some seasonality in their operations.

Crime exposure consist of employee dishonesty and money and securities. Background checks should be conducted on all employees handling money. As admissions may be paid in cash, cashiers' drawers should be kept stripped with regular bank deposits made. Money should never be left on the premises overnight.

When tournaments, exhibitions, games or other sponsored events occur, cash can increase considerably requiring extra security.

Inland marine exposures include accounts receivable if the rink bills customers for services, audio-visual equipment, computers, ice surfacing equipment, and valuable papers and records for suppliers' information.

Computers may be used to program music and other special effects in the rink. If the rink assumes responsibility for the skating equipment or other personal property of guests while on the premises, bailees customers coverage should also be considered.

There may be off site exposures if the rink sponsors teams for competitive skating events.

Commercial auto exposures are generally limited to hired and non-owned for employees running errands. If there are owned vehicles, they must be maintained on a regular basis with all service documented. All drivers must be properly licensed and have acceptable MVRs.

If the rink sponsors a traveling team and provides team transportation, the vehicle driver should not be a team member.

Ice Skating Rink Insurance Michigan - The Bottom Line

Having the right ice skating rink insurance Michigan coverage is important. To discover what types of policy options are available to you, how much coverage you need, and how much your coverage will cost, speak to a commercial insurance agent.

Michigan Economic Data And Business Insurance Requirements

Business owners who are interested in establishing operations Michigan must have a thorough understanding of the state's economy. They should also familiarize themselves with any regulations and limits that state may have in place for commercial insurance.

Made In Michigan

Any entrepreneur who is thinking about starting a business in the Great Lake State first needs to determine if it's a feasible location for business operations. As such, it's important to have a keen understanding of pertinent details regarding the economy of Michigan, in addition to the types of insurance coverage that are mandatory for corporations that operate within the state.

Economic Trends for Businesses In Michigan

After a long period of stagnant job growth in the early part of the 21st century, MI has been experiencing a steady increase in employment gains. Between 2009 and 2018, the state has enjoyed a period of uninterrupted job growth; the longest stretch of job growth since World War II. According to economists at the University of Michigan. While there has been a slight decline in the rate of job growth, job creation continues and forecasters say will continue for the next two years, into 2021.

In 2018, an estimated 55,200 jobs were created; in 2019, it's expected that 35,800 jobs will be created, and in 2020, economists believe that there will be a total of 39,300 jobs created in Michigan. While that rate of growth is 1.9 percent slower than the job growth rate between 2011 and 2016, it is still a steady increase overall. In total, approximate 683,200 jobs will be created in MI between 2099 and 2020; almost four out of the five jobs that were lost during the early part of the 21st century will be recovered.

While the unemployment rate has steadily improved, it is still above the national average. In March of 2019, the national unemployment rate was 3.8 percent, while in the state of Michigan, it was 4.0 percent. Mid-Michigan has experienced the largest growth rate in the state, and according to forecasters, it looks like that trend will continue, moving forward. Industries that are expected to see the most growth include:

  • Energy, due largely to research and development in clean energy
  • Food and agriculture
  • Water
  • Transportation and mobility
  • Healthcare industry
  • Information and technology

In the state of MI, business owners are not legally required to carry liability insurance; but most entrepreneurs opt to invest in a General Liability or Business Owner's Policy (BOP). A commercial auto insurance policy is also required for any businesses that use motor vehicles to conduct any aspect of their business operations. Workers' compensation insurance is also required for any businesses with non-owner employees. While the following forms of coverage are not required, depending on the type of business you operate, they are recommended:

  • Data breach insurance
  • Business income insurance
  • Commercial Umbrella insurance

Additional Resources For Sports & Fitness Insurance

Learn about small business sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Sports And Fitness Insurance

Sorts and recreation includes a wide variety of operations, from individual theater owners to theater chains to corporations that operate properties with recreational facilities spread over many acres. It also includes publicly and privately owned athletic fields, stadiums, golf courses and other athletic facilities.

The risks in this classification are similar in that all involve the admission of large numbers of people combined with significant public access. These shared characteristics mean that all share the potential for catastrophic loss. For this reason, liability coverage with high limits of liability is critical.

Property, workers compensation, crime and inland marine coverages are also important but their necessity varies by type of risk.

This insurance can cover Amusement Parks, Archery Ranges, Athletic Fields, Ballparks, Ballrooms, Billiard Parlors, Bowling Alleys, Carnivals, Country Clubs, Drive-In Theaters, Golf Courses, Outfitters and Guides, Handball and Racquetball Courts, Ice Skating Rinks, Indoor Sports Complexes, Professional Sports, Racetracks-Horse or Dog, Racetracks-Motorized, Recreation Centers, Riding Stables, Roller Skating Rinks, Shooting Ranges, Skatepark, Skeet or Trap Shooting Ranges, Skiing Operations, Stadiums, Swimming Clubs, Tennis Centers, Theaters & Video Arcades.

Sports and fitness facilities have a way of bringing susceptible groups of individuals and situations together that can be potentially dangerous if not properly monitored. The joy and happiness of the moment can quickly change because of a calamity and those calamities can then lead to lawsuits.

Many of these risks have large money exposures every day they operate. Because of this, losses involving cash are the single biggest concern for most recreational facilities. This includes not only holdups and robberies but incidents involving counterfeit currency, computer fraud and forgery as well.

Employee theft is also a major concern in some operations because of attractive types of property or merchandise coupled with high rates of employee turnover.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income and Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Bailees, Computers, Contractors' Equipment, Golf Carts, Valuable Papers and Records, General Liability, Employee Benefits, Environmental Impairment, Umbrella, Hired and Non-owned Auto & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Flood, Mobile Equipment, Cyber Liability, Employment-related Practices, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers, Stop Gap Liability and Unmanned Aerial Vehicles (UAV) (Drones).


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Also find Michigan insurance agents & brokers and learn about Michigan small business insurance requirements for general liability, business property, commercial auto & workers compensation including MI business insurance costs. Call us (313) 344-7177.

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