Ice Skating Rink Insurance

Ice Hockey insurance

Get Affordable General Liability Insurance Coverage for your Ice Skating Rink to protect against participant and spectator lawsuits.

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Average quote turnaround time is 12 to 24 business hours.

Sadler is pleased to offer these following best-in-industry Ice Skating Rink Insurance

General Liability

  • Limits from $1,000,000 to $5,000,000
  • Occurrence Policy Form
  • Coverage For Athletic Participants
  • Non Owned And Hired Auto option
  • Sex Abuse & Molestation option


  • Medical limits up to $25,000
  • Deductible options
  • Accidental Death & Dismemberment up to $10,000

Ice skating provides a wonderful opportunity for young and old to have fun, compete in sports, and exercise at the same time.  Most rinks are inside, but some cities (especially in northern states) open outdoor ice skating rinks during the cold months. Skating rink insurancePermanent rinks are housed either as free-standing structures or adjacent to parks and/or academic facilities.  To increase income and usage, some indoor rinks covert their ice floors into solid surfaces for the summer months, offering summer sports such as tennis, basketball, concerts, and other venues.   Most are open late afternoon to evening during the week, with extended weekend hours.  Ice rinks often rent out for birthday parties, group skating, and ice sports events such as figure skating and hockey.

Rink surfaces consist of some type of refrigeration equipment, subflooring (in indoor rinks), rubber mats, skate rentals, ticket booth of some type for collection of entrance fees, lockers for shoe storage, restroom facilities, and snack bars.  Most indoor rinks have highly technical sound and lighting systems and grandstands (either permanent or removable) for hockey and other ice sports events.  Outdoor rinks may have lighting for night skating and temporary grandstands.  Rinks offer patrons sharpening services for skate blades and lounge areas to watch and/or rest while taking a break from skating.  Ice skating “guards” are trained and posted from higher watch positions and on the ice to ensure patrons’ safety.

General Liability Risk Management Requirements for Ice Skating Rinks

General Liability carrier risk management requirements for ice skating rinks includes proper maintenance and inspection of ice surfaces, refrigeration equipment, ventilation systems and ice thickness; hiring of qualified employees for equipment repairs; posting of signs noting areas where skates can and cannot be worn; training of skate guards; providing skate guards with distinguishable clothing, whistles, bull-horns and/or megaphones; regular replacement of worn rubber mats; regular and frequent ice clearing and resurfacing; CPR training and first aid equipment; posting and enforcement of rink rules (from behavior on the ice to age requirements); proper monitoring of space and direction of patrons on the rink; regular testing of ice thickness (different in indoor and outdoor rinks); and placement and enforcement of policies for rink rental (i.e., using skate guards or “skate at your own risk”).

Most accidents that occur on ice skating rink surfaces are from inexperienced skaters who trip and fall, but more serious accidents can and do occur.  Head injuries can result from falls on the ice, skaters can slip on wet walking surfaces, out-of-control skaters can injure themselves and others, and improperly vented rinks can have ammonia leaks.  While nothing can prevent an accident from happening, the best protection for your ice skating rink is to have both Accident and General Liability insurance with sufficient limits for proper coverage in the unfortunate event of an accident and impending lawsuit.