Skating is a popular activity for birthday parties, family outings, dates, exercise enthusiasts, and more. From ice skating followed by hot chocolate to giggling with friends as you attempt to learn new moves on the rink, skating provides plenty of entertainment.
Professional ice skating, hockey, and roller derby competitions captivate their audiences, but watching your friends from the sidelines can be just as amusing. Skating is a great equalizer, requiring balance and a willingness to dust yourself off and try again. In addition to all of the fun, however, skating rink owners face a number of possible risks.
Finding comprehensive, yet affordable insurance for skating rinks in Indiana is important. Here are a few tips.
Skating By Risks
Falls and bruises are common at the skating rink, but sometimes they can lead to serious consequences. Many rinks require participants to sign a personal liability waiver before allowing them onto the rink for this reason. Both roller and ice skating rinks also face these risks:
- Slip and fall accidents (off the rink)
- Equipment failure or breakdown
- Storm damage
- Fire damage
As a skating rink owner, it’s important to make sure your small business is properly insured.
Equipment breakdown is a very real concern for rink owners. Skates, safety equipment, sound equipment, lighting equipment, and more need to stay in proper working order. Skates and safety equipment are especially necessary to maintain for the safety of your patrons. Equipment breakdown coverage can help you cover the costs associated with maintaining or replacing equipment that is damaged beyond normal wear and tear.
Caring for your property is also essential. Simply maintaining the premises can prevent a number of potential accidents. But what if lightning strikes or a tornado destroys your roof? Property insurance coverage is absolutely vital to your business.
If someone slips and falls and breaks an arm due to a water leak in the bathroom, you’re potentially liable. Food poisoning due to a damaged refrigerator? You’re likely on the hook. As a skating rink owner, you face a number of liability risks both big and small every single day.
That’s why liability insurance is a necessity for your business. Liability insurance can provide a broad suite of coverage for medical expenses, legal fees, and much more.
Skating Rink Coverage in Indiana
The independent insurance agents at Kincaid Insurance will work with you to find the best coverage for your ice or roller skating rink. Our team will help you assess your business’s potential risks and coverage needs before providing you with a no-obligation free quote.
Kincaid Insurance is headquartered in Rockport, Indiana. Our independent insurance agents work with skating rink owners throughout the Tri-State area of Indiana, Illinois, and Kentucky, including: Evansville, Louisville, Mt. Vernon, Owensboro, and Vincennes.
You can reach Kincaid Insurance today by calling 1-877-888-5506.Request a Free Quote