Ice Skating Rink Insurance

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Ice Skating Rink Insurance Policy Information

Ice Skating Rink Insurance

Ice Skating Rink Insurance. 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 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 coverage might be needed? To find out more, keep reading.

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

Below are some answers to commonly asked ice skating rink insurance questions:


How Much Does BIce Skating Rink Insurance Cost?

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small ice skating rinks ranges from $47 to $79 per month based on location, size, revenue, claims history and more.


Why Do Ice Skating Rinks Need Insurance?

Ice Skating

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 means investing in the future of your business.


What Type Of Insurance Do 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 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 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 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 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.


Ice Skating Rink's Risks & Exposures

Ice Skaters

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.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 7999 Amusement And Recreation Services, Not Elsewhere Classified
  • NAICS CODE: 713940 Fitness and Recreational Sports Centers
  • Suggested ISO General Liability Code(s): 48177
  • Suggested Workers Compensation Code(s): 9016

Description for 7999: Amusement And Recreation Services, Not Elsewhere Classified

Division I: Services | Major Group 79: Amusement And Recreation Services | Industry Group 799: Miscellaneous Amusement And Recreation

7999 Amusement And Recreation Services, Not Elsewhere Classified: Establishments primarily engaged in the operation of sports, amusement, and recreation services, not elsewhere classified, such as bathing beaches, swimming pools, riding academies and schools, carnival operation, exposition operation, horse shows, picnic grounds operation, rental of rowboats and canoes, and shooting galleries. Establishments primarily engaged in showing or handling animals at shows or exhibitions are classified in Agricultural Services, Industry Group 075.

  • Aerial tramways, amusement or scenic
  • Amusement concessions
  • Amusement rides
  • Animal shows in circuses, fairs, and carnivals
  • Archery ranges, operation of
  • Astrologers
  • Baseball instruction schools
  • Basketball instruction schools
  • Bath houses, independently operated
  • Bathing beaches, public
  • Betting information services
  • Billiard parlors
  • Bingo parlors
  • Boat rental, pleasure
  • Boats, party fishing: operation of
  • Bookies
  • Bookmakers, race
  • Bowling instruction
  • Bridge club, nonmembership
  • Bridge instruction
  • Cable lifts, amusement or scenic: operated separately from lodges
  • Canoe rental
  • Card rooms
  • Carnival operation
  • Cave operation
  • Circus companies
  • Concession operators, amusement devices and rides
  • Day camps
  • Exhibition operation
  • Exposition operation
  • Fairs, agricultural: operation of
  • Fireworks display service
  • Fishing piers ant lakes, operation of
  • Fortune tellers
  • Gambling establishments not primarily operating coin-operated
  • Gambling machines, except coin-operated operation of
  • Game parlors, except coin-operated
  • Games, teaching of
  • Gocart raceway operation
  • Gocart rentals
  • Golf courses, miniature operation of
  • Golf driving ranges
  • Golf professionals not operating retail stores
  • Golf, pitch-n-putt
  • Gymnastics instruction
  • Handball courts, except membership club
  • Horse shows
  • Houseboat rentals
  • Hunting guides
  • Ice skating rink operation
  • Judo instruction
  • Karate instruction
  • Lifeguard service
  • Lotteries, operation of
  • Lottery club and ticket sales to individuals
  • Moped rental
  • Motorcycle rental
  • Natural wonders, tourist attraction: commercial
  • Observation tower operation
  • Off-track betting
  • Pack trains for amusement
  • Parachute training for pleasure
  • Phrenologists
  • Picnic grounds operation
  • Ping pong parlors
  • Pool parlors
  • Racquetball courts, except membership clubs
  • Rental of beach chairs and accessories
  • Rental of bicycles
  • Rental of golf carts
  • Rental of rowboats and canoes
  • Rental of saddle horses
  • Riding academies and schools
  • Riding stables
  • River rafting, operation of
  • Rodeo animal rental
  • Rodeos, operation of
  • Roller skating rink operation
  • Scenic railroads for amusement
  • Schools and camps, sports instructional
  • Scuba and skin diving instruction
  • Shooting galleries
  • Shooting ranges, operation of
  • Skating instruction, ice or roller
  • Skeet shooting facilities, except membership clubs
  • Ski instruction
  • Ski lifts, cable lifts, and ski tows operated separately from lodges
  • Ski rental concessions
  • Slot-car racetracks
  • Sporting goods rental
  • Sports instructors, professional: golf, skiing, swimming, etc.
  • Sports professionals
  • Swimming instruction
  • Swimming pools, except membership
  • Tennis clubs, nonmembership
  • Tennis courts, outdoor and indoor operation of, nonmembership
  • Tennis professionals
  • Ticket sales offices for sporting events, contract
  • Tourist attractions, natural wonder commercial
  • Tourist guides
  • Trampoline operation
  • Trapshooting facilities, except membership club
  • Waterslides, operation of
  • Wave pools, operation of
  • Wax figure exhibitions
  • Yoga instruction

Ice Skating Rink Insurance - The Bottom Line

Having the right ice skating rink insurance 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.

Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Small Business Information

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

  • What type of business am I running?
  • What are common risks associated with this industry?
  • Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
  • Does my state require me to carry this type of insurance?
  • Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Business Insurance Policy Type What Is Covered?
General Liability InsuranceWhat is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
Workers Compensation InsuranceWhat is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.
Product Liability InsuranceWhat is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
Commercial Property InsuranceWhat is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.
Business Owners Policy (BOP)What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.
Commercial Auto InsuranceWhat is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.
Commercial Umbrella PoliciesWhat is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.
Liquor Liability InsuranceWhat is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.
Professional Liability (Errors & Omissions)What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Surety BondWhat is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).


Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law
Small Business Commercial Insurance

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

  • Business Interruption Insurance
  • Commercial Flood Insurance
  • Contractor's Insurance
  • Cyber Liability
  • Data Breach
  • Directors and Officers
  • Employment Practices Liability
  • Environmental or Pollution Liability
  • Management Liability
  • Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.

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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