Roller Skating Rink Insurance Policy Information
Roller Skating Rink Insurance. Roller skating rinks - also called simply roller rinks - are purpose-built facilities for indoor roller skating.
Roller skating rinks are used for recreational purposes, roller skating practice and lessons, roller derbies and other events. Many host birthday parties and other group events and have rooms specifically for these activities. Adult-only events and special themed activities, such as laser tag events, may be offered.
Competitive events may include inline hockey, speed skating, and jam skating. The rink may sponsor its own competitive teams. Skate and equipment sales, skate repair, and skating lessons are often provided.
Some roller skating rinks are owned by a governmental entity and operated or managed by private companies. Others are independently owned. Most are single location operations although there are some regional chains. A few facilities offer both ice and roller skating as well as other recreational facilities.
The roller skating rink is located inside a large open area building. The floor is wood or concrete, coated with a hard plastic coating that is reapplied and refreshed at least annually. Railings or dasher boards are placed around the outside of the rink to separate the skating area from spectators.
Rental skates are offered and provide a major source of revenue. 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.
Recreational roller skaters or inline skaters may come to a roller rink just to relax and keep in shape, but roller skating rinks may also provide lessons or host roller derby competitions. If you own and run a roller rink, or are currently thinking about opening one, your business will provide a much-wanted service to the community.
Those who own and operate roller skating rinks will, of course, do everything within their power to ensure that their business thrives. That includes protecting it from hazards, in the form of adhering to health and safety protocols and installing security systems, for instance.
Should circumstances beyond your control impact your roller rink despite your best efforts, you will truly understand the value of proper insurance coverage. What kinds of roller skating rink insurance might be needed, though? To get some pointers, keep reading.
Roller skating rink insurance protects recreation operations from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked roller skating rink insurance questions:
- What Is Roller Skating Rink Insurance?
- How Much Does Roller Skating Rink Insurance Cost?
- Why Do Roller Skating Rinks Need Insurance?
- What Type Of Insurance Do Roller Skating Rinks Need?
- What Does Roller Skating Rink Insurance Cover & Pay For?
What Is Roller Skating Rink Insurance?
Roller skating rink insurance is a type of liability insurance designed for businesses that operate roller skating rinks. It provides protection for the business in the event of accidents or injuries that occur on the premises, such as slips and falls, skate-related injuries, and other incidents.
The coverage typically includes general liability, property damage, and medical expenses. This type of insurance is crucial for roller skating rinks to have as it helps cover the costs of any damages or medical expenses that may occur, reducing the risk of financial loss for the business.
How Much Does Roller Skating Rink Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small roller skating rinks ranges from $67 to $99 per month based on location, activities offered, revenue, claims history and more.
Why Do Roller Skating Rinks Need Insurance?
Like all other businesses, roller skating rinks always have the potential to be impacted by unexpected circumstances and events that can pose a serious danger to the company's financial future. Some of the risks roller skating rinks may be faced are virtually universal, while others are more unique to your operations.
In both cases, the losses can be so devastating that it may be hard to recover, unless you have the right insurance on your side to help your business bounce back.
Roller skating rinks might comfortably able to handle the costs of minor incidents, like a pipe that bursts or a window that is smashed.
Acts of nature like wildfires, earthquakes, severe floods, or hurricanes can, on the other hand, cause such extensive damage that being improperly insured could easily lead to bankruptcy. Even crimes like theft and vandalism can sometimes have a massive impact.
Owning a roller rink, it is also important to consider what might happen in the event that an employee is injured at work - or a customer, for that matter. Both these scenarios are associated with significant liability-related expenses.
These and other perils are always challenging. An operation that has invested in quality insurance will find, however, that they do not have to be ruinous, as proper roller skating rink insurance coverage will help your business get back on its feet quickly.
What Type Of Insurance Do Roller Skating Rinks Need?
As the owner of a roller skating rink, your company would generally be considered to fall into the "small business" category. Many insurance plans are available for small businesses, but it is nonetheless advisable to consult with a commercial insurance broker and evaluate each type of coverage separately.
This is because the kinds of insurance that optimally protect your business are as unique as your roller rink itself. Keeping this in mind, some of the types of roller skating rink insurance that will be essential include:
- Commercial Property: Whether you own or rent your facility, this type of roller skating rink insurance is a must-have. It guards your roller rink from financial losses in the event that you fall victim to perils like theft, vandalism, natural disasters, or other accidents. In these cases, it covers not only damage to the physical building, but also the assets within, such as sound and lighting systems.
- General Liability: Designed to help you manage the legal costs associated with third party bodily injury or property damage claims, every business also needs at least this most general type of liability coverage. Should a customer trip on an uneven surface and become injured, or should you damage assets you lease (such as vending machines), for example, a portion of the costs will be reimbursed.
- Workers' Compensation: If one of your employees sustains an injury at work under circumstances for which you could be held responsible, workers' comp insurance helps your company pay for their medical bills. Any wages lost to related work absences are also covered under these policies.
Remember to consult a commercial insurance broker, familiarizing them with your company's risk profile in the process - while the types of roller skating rink insurance looked at here are vital, your individual operation may opt to invest in other forms of coverage, such as business interruption insurance, as well.
Roller 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, in addition to 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 floors should be regularly checked to identify and repair any uneven areas in surfaces. Spectator liability can be a concern as floor surfaces may be slick. Parking areas should be well maintained and free of snow and ice.
Poorly maintained rental skates can contribute to falls that result in broken legs and ankles. 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. Maintenance operations may result in lung, eye, or skin irritations and reactions from the floor coatings during the refinishing process.
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.
Maintenance operations may result in lung, eye or skin irritations, and reactions during refinishing processes. Customers may become unruly and harm employees.
Property exposures from fire are high due to the extensive electrical wiring for lighting and sound systems and the flammable coatings used to cover the floor. Equipment used for audio/visual effects can be elaborate and expensive. Electrical wiring must be in good repair and adequate for operations.
Refinishing operations should be well ventilated to prevent the buildup of flammable vapors. The coating containers should be stored away from heat sources. Because the floors are susceptible to warping if exposed to water, foam based instead of water based sprinklers should be used.
The roofs of the buildings are susceptible to collapse if the large roof expanse is not adequately supported. 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 or theft. Business income loss potential is high unless backup facilities are available.
Equipment breakdown exposure may be high due to the heating and air conditioning systems, electrical control panels, and lighting and sound equipment used for skating events. Breakdown and loss of use could result in a significant loss, both direct and under time element, if replacements parts are unavailable or repair time is lengthy.
Crime exposures are from 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.
Business 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.
What Does Roller Skating Rink Insurance Cover & Pay For?
Roller skating rinks can be sued for various reasons, including:
- Slip and fall accidents: Skaters can fall and injure themselves due to slippery surfaces or uneven flooring, leading to claims for medical expenses and other damages.
- Collision accidents: Skaters can collide with each other, resulting in injuries that may lead to lawsuits for medical expenses and other damages.
- Equipment malfunctions: If the rink's equipment, such as skates or protective gear, is defective and leads to an injury, the rink may be held liable.
- Negligent supervision: If the rink fails to provide adequate supervision or safety measures, resulting in an injury, they may be held liable.
Insurance can help protect roller skating rinks from these types of lawsuits by providing coverage for:
General liability insurance: This coverage can help pay for bodily injury and property damage claims resulting from accidents that occur at the rink, such as slip and fall accidents and collision accidents.
Product liability insurance: This coverage can help pay for claims arising from defective equipment or products sold by the rink.
Professional liability insurance: This coverage can help pay for claims arising from allegations of negligent supervision or other professional errors.
In the event of a lawsuit, insurance can help cover the cost of legal fees and settlements or judgments against the rink. For example, if a skater sues a rink for injuries sustained in a slip and fall accident, the rink's general liability insurance may cover the cost of defending the lawsuit and paying any damages awarded to the skater. Similarly, if a skater is injured due to a defective piece of equipment, the rink's product liability insurance may help cover the cost of any resulting claims or lawsuits.
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 Workers Compensation Code(s): 9093 Bowling Lane
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
- 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
- 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
- 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
Roller Skating Rink Insurance - The Bottom Line
Having the correct roller skating rink insurance coverage is important for protecting your business, its customers and employees. To learn what types of coverage options are available to you, and how much your coverage will cost, speak to a commercial insurance agent.
Additional Resources For Arts & Recreation Insurance
Read up on small business arts and recreation commercial insurance.
- Amusement Parks
- Archery Ranges
- Athletic Fields
- Billiard And Pool Halls
- Bowling Alleys
- Cave Tours
- Dance Studio
- Disc Jockey DJ
- Drive-In Theaters
- Entertainers And Performers
- Event Planning
- Fairs And Fairgrounds
- Film Production
- Fine Art
- Guides & Outfitters
- Handball & Racquetball Courts
- Horse & Dog Racetracks
- Indoor Sports Complexes
- Interior Decorator
- Interior Design
- Motorsports Racetracks
- Photo Booth
- Recording Studio
- Recreation Centers
- Riding Stables
- Roller Sakting Rinks
- Shooting Ranges
- Skeet & Trap Shooting Ranges
- Ski Resorts
- Talent Agency
- Tennis Centers
- Video Arcades
- Wedding And Special Event
- Specialty Arts And Antiques
- Specialty Clubs And Leisure Time Activities
- Specialty Entertainment
The arts and recreation industry is a vital part of our society and culture, providing entertainment and enjoyment for people of all ages. However, as with any business, there are inherent risks and potential liabilities that can arise. This is where insurance comes into play.
One of the main reasons the arts and recreation industry needs insurance is to protect against financial losses due to accidents or injuries. For example, if a performer is injured while rehearsing or performing, their medical bills and lost wages could be significant. Without insurance, the cost of these expenses could potentially bankrupt a small arts organization.
In addition to protecting against accidents and injuries, business insurance can also cover damages or losses due to weather events, natural disasters, and other unexpected circumstances. For example, if a theater is forced to cancel a performance due to a power outage or extreme weather, insurance can help cover lost income and expenses.
Another important aspect of commercial insurance for the arts and recreation industry is liability coverage. This type of insurance can protect against legal claims and lawsuits if someone is injured or becomes ill while attending an event or using facilities. For example, if a patron slips and falls at a theater, they may file a lawsuit against the venue for damages. Liability insurance can help cover the costs of legal fees and any settlement or judgement.
Overall, the arts and recreation industry needs insurance to protect against financial losses and legal liabilities that can arise in the course of business. Without commercial insurance, small arts organizations and recreational facilities could be vulnerable to financial ruin in the face of unexpected events or accidents.
Minimum recommended small business insurance coverage: Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Bailees Customers Floater, Money and Securities, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.