Figure Skating Insurance for Clubs, Camps, Competitions, and Instructors

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General Liability Insurance for Figure Skating

  • High-limits from $1M to $5M
  • Affordable rates
  • Non-Owned and Hired Auto Liability

Accident Insurance for Figure Skating

  • Reimburse medical bills
  • Limits up to $100k
  • Deductible options

 

 

General Liability and Accident insurance for figure skating organizationsFigure skating couple

Sadler Sports and Recreational Insurance offers customizable figure skating insurance policies. Therefore, you will build an insurance plan that supports your organization’s coverage needs. A solid insurance plan for a figure skating organization involves strong General Liability insurance and Accident insurance policies. 

Purchasing a robust General Liability policy is arguably one of the most crucial insurance plans that your figure skating organization should carry. Sadler’s General Liability policy helps to cover: 

  • Lawsuits costs from spectator injury and participant injury
  • Coverage for medical expenses from bodily injury or property damage (negligent or not)
  • Legal fees and settlement costs

Figure skating has associated risks of injuries due to the nature of the sport. Therefore, adding accident insurance to your risk mitigation plan will also benefit figure skating organizations. In severe cases, medical expenses from injury claims could result in significant out-of-pocket costs. Therefore, Accident insurance can guarantee no out-of-pocket costs as it can fill in the gaps and pay for what existing family health insurance does not cover. 

 

Recent Lawsuits 

Your figure skating organization does not want to end up facing lawsuits like the ones above. It is best to protect yourself by doing your due diligence and limiting the risk. However, it is also imperative to have a solid figure skating insurance policy to help cover the incidents that are unpredictable and harmful. 

 

Why do you need figure skating insurance? 

Figure skating insurance is an essential part of a strong risk management strategy for figure skating teams, camps, competitions, and instructors. Even so, lawsuits against your organization could happen, and if they do, they could end up being very costly for your business. Without protection, your company could be liable for the expenses associated with the claims. Figure skating insurance can help your organization when financial loss protection from injury claims is needed.

 

Risks of figure skatingInjury on Ice Rink

Participating in figure skating results in a lot of benefits to the participant. However, there are still risks associated with participating in the sport. Even though figure skating is a non-contact sport, it requires full-body movements that put the figure skater at risk. These full-body movements can cause the figure skater to suffer from injuries because of the overuse of certain muscle groups.

In addition, like many other ice sports, the nature of the sport being on ice adds additional risks. These risks are prevalent because ice is slippery and easy to fall on. Ultimately, falls on hard surfaces can cause various traumas and injuries. 

For instance, common injuries in figure skating include:

  • Stress fractures 
  • Tendonitis
  • Muscle strains
  • Jumpers knee (patellofemoral syndrome)
  • Shin Splints 
  • Concussion
  • Ankle sprains and fractures 
  • Shoulder dislocation
  • Lacerations
  • ACL and meniscus tear

 

Figure skating risk management tactics

As the administrator of a figure skating organization, you need to have a solid risk mitigation strategy put into place. Of course, not every accident or injury can be preventable. As a result, having risk management tactics will help to decrease the chances of harm. Therefore, to help to protect the athletes at your organization and your negligence, consider applying the following practices. 

Manage overtraining/ poor technique

Figure skaters have a high chance of becoming injured by overusing their bodies. Therefore, as a coach or organizer, you must ensure that the athletes are not constantly pushing past their limits. In addition, as the owner of the organization, you should ensure that the athletes have established good techniques. Overseeing their technique practices will help to reduce the risk of the athletes hurting themselves. For example, the body endures immense force from jumps and tricks. Therefore, if the technique or form is wrong, the pressure can be transmitted throughout the wrong extremities. 

Warm-up 

Have the figure skaters at your organization go through a warm-up routine to limit the chances of strained muscles. Figure skating is a full-body exercise, therefore, ensure that the warm-up targets the entire body. In general, it is best to do the warm-up off the ice about 5-10 minutes before the skater goes on the ice. 

Proper equipment 

The only equipment figure skaters need a pair of figure skates. Therefore, to reduce risk, you need to ensure that the figure skaters have high-quality figure skates to help limit accidents due to equipment mistakes. For instance, the skate’s boot should be stiff enough to protect the ankles. However, muscles in the foot and ankles are weakened when a boot is too stiff and limits the motion. In addition, the blade on the skate needs to be in proper placement and be sharp. 

Ice checks 

The ice in your rink could be compromised and have bumpy or snowy areas. When the ice is not in pristine condition, it risks the skater as they could fall due to the states. Therefore, performing routine checks before the figure skater performs or practices on your organization’s ice is essential. 

 

What is figure skating?Female Coach Training Figure Skaters

Figure skating is a sport in which individuals or teams of athletes perform artistically on a sheet of ice. Athletes will perform a variety of movements together in their sequence on ice to show off their skills. For example, the performance will include jumps, spirals in the air, lifts, footwork, and dance movements on ice skates. Meanwhile, the judges who score the athletes use the criteria of their grace, flair, and control. 

The objective of figure skating is to get the highest score against your competitors. Therefore, the athletes must showcase several movements in their set for most competitions to reach the highest possible score.

 

Is figure skating beneficial to your health?

Figure skating is a great activity to keep you active and fit. It is a full-body workout and brings about plenty of benefits. As a result, the sport requires the athletes to have the key elements of stability, control, and strength. These aspects of skating are a big reason that skating is beneficial to one’s health, whether you take part in the sport competitively or recreationally. 

The following are some health benefits of figure skating:

  • Improvement in joint and muscle health
  • Improvement in balance, agility, and coordination
  • Increase in cardiovascular health
  • Increase in endurance

 

Get figure skating insurance that protects you!

Sadler Sports and Recreational Insurance offers insurance coverages for figure skating clubs, teams, leagues, competitions, and other organizations. Additionally, our Figure Skating Insurance plan is customizable. Given this, you can apply the policies you need that will help protect your organization. It is time to protect your organization against the risk that could be detrimental to success. Not to mention, with Sadler, you can expect savings up to 38% and hassle-free insurance policies. Submit a quote today!