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Ice Skating Rink Insurance

Ice skating rinks are a popular destination for people of all ages. However, with the fun and excitement of ice skating comes a certain degree of risk. That’s why it’s important for ice skating rinks to have the right insurance coverage in place. Ice skating rink insurance is specifically designed to protect the business owner, employees, and patrons in the event of an accident or injury.

Who Needs Ice Skating Rink Insurance

Any business that operates an ice skating rink should have insurance coverage. This includes both indoor and outdoor rinks. Ice skating rink insurance is not only important for protecting the business owner’s assets, but it also protects employees and customers.

Types of Ice Skating Rink Insurance

There are several types of insurance coverage that ice skating rinks should consider:

  • General Liability Insurance: This type of insurance provides coverage for bodily injury or property damage caused by the ice skating rink or its employees. It also covers legal fees in the event of a lawsuit.
  • Property Insurance: Such a policy covers damage to the ice skating rink’s building, equipment, and inventory. This includes damage caused by fire, theft, vandalism, or other covered perils.
  • Workers’ Compensation Insurance: If an employee is injured on the job, workers’ compensation insurance provides coverage for medical expenses and lost wages.
  • Umbrella Insurance: Umbrella insurance provides additional liability coverage above and beyond the limits of other insurance policies.

How Much Does Ice Skating Rink Insurance Cost?

The cost of ice skating rink insurance depends on several factors, including the size of the rink, the number of employees, and the types of activities offered. The cost of insurance can also vary depending on the insurance company and the level of coverage selected. It’s important for rink owners to work with an experienced insurance agent to determine the appropriate level of coverage and obtain competitive quotes from multiple insurance companies.

Ice Skating Rink Insurance Requirements

Ice skating rink insurance requirements may vary depending on state and local regulations. However, most states require ice skating rinks to carry general liability insurance and workers’ compensation insurance. Some states may also require property insurance and commercial auto insurance.

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): 9016 Amusement Park or Exhibition Operation & Drivers

Ice Skating Rink Insurance – The Bottom Line

Ice skating rink insurance is essential to any business that operates an ice skating rink. It provides protection for the business owner, employees, and customers in the event of an accident or injury. 

Several types of insurance coverage are available, including general liability insurance, property insurance, workers’ compensation insurance, commercial auto insurance, and umbrella insurance. The cost of insurance can vary depending on several factors, and rink owners need to work with an experienced insurance agent to obtain the appropriate level of coverage at a competitive price. 

Finally, rink owners should be aware of state and local insurance requirements to ensure compliance with all regulations.

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