General Liability Insurance for Inline Skating
- High-limits from $1M to $6M
- Affordable rates
- Non-Owned and Hired Auto Liability
Accident Insurance for Inline Skating
- Reimburse medical bills
- Limits up to $100k
- Deductible options
- General Liability and Accident Insurance for inline skating organizations
- What do you need inline skating insurance?
- Risks of inline skating
- Inline skating risk mitigation strategies
- What is inline skating?
- Health benefits of inline skating
- Get inline skating insurance that’s right for you!
General Liability and Accident insurance for inline skating organizations
As an inline skating organization, it is highly beneficial to implement General Liability insurance and Accident insurance policies. These plans can help carve out a strategy that can assist in protecting your organization against unforeseeable incidents.
Sadler offers customizable insurance packages so you can get the coverage that’s right for you. Our insurance offerings include the options to add on solid General Liability and Accident insurance policies.
Purchasing a General Liability policy is crucial for your inline skating team, camp, or competition insurance strategy. Sadler’s General Liability policy helps to cover:
- Lawsuits costs from spectator injury and participant injury
- Financial loss from legal fees, adverse jury verdicts, and settlement
- Coverage for medical expenses from bodily injuries (negligent or not)
- Liability for payment of pain and suffering
The nature and environment of inline skating present various risks that can cause injury. Accident insurance can help guard against high-cost injury claims that might result in significant out-of-pocket medical expenses. While Accident insurance can help cover some medical expenses, there may be some scenarios so severe they can result in a lawsuit. In this case, it is still recommended to include General Liability insurance in your policy to give you peace of mind and help your businesses succeed.
Why do you need inline skating insurance?
Inline skating teams, camps, competitions, and instructors’ insurance must build a solid risk mitigation strategy. Any sports organization can reduce its liabilities from incidents. Without insurance protection, you can be held solely responsible for the medical expenses and legal costs that result from an injury.
Risks of inline skating
Inline skating is a recreational and competitive sport that brings plenty of health benefits. However, there are risks to participating in this sport. The dangers of inline skating are mainly due to the speeds at which the athlete can accelerate. The wheels on the skating boot are arranged ‘inline’ for fast speeds and increased maneuverability compared to roller skates. Cruising speeds can reach on average 10 to 17 miles/hr, and the skater can rise to over 40 miles/hr while going downhill.
Another risk factor is related to the terrain when skating outdoors. Most inline skaters participate outdoors, which can be unpredictable. In addition, the outdoor roadway has many obstacles that could cause injuries, such as collisions with motor vehicles, cyclists, and pedestrians.
For example, the most common injuries of inline skating are:
- Forearm and wrist fractures
- Dislocations
- Sprains
- Strains
- Avulsions
- Concussions
Inline skating risk mitigation strategies
While there is a risk for physical injury in inline skating, there is evidence that preventing some of these injuries is possible. To help reduce the frequency or severity of accidents at your inline organization, you need to implement risk management tactics. In addition, having a thorough plan that works towards protecting the participants can help remove your negligence from accidents that may occur. The following are tactics that your inline skating team, tournament, or event can apply to reduce accidents.
- Ensure participants in your organizations are wearing protective gear. For example, this includes shin pads, elbow pads, and a helmet.
- Check that the inline skates used are of good quality and condition. This is necessary so no incident causes falling or collision due to loss of control from broken skates.
- Have routine checks of the skaters’ environment. This ensures that it is free of unexpected obstacles and issues on the road.
- There should be special consideration for novice skaters. In these cases, these skaters are more likely to become injured due to inexperience. Therefore, giving instructions to novice skaters may reduce the likelihood of injuries. Also, it can help increase the practices of safe skating and skill level.
- Have the players sign a liability waiver – adults or minors. To clarify, this can help them know their responsibilities and risk. In addition, it can help to mitigate your business’s liabilities.
- Train staff to be able to decipher unsafe behaviors or hazardous environmental conditions.
What is inline skating?
Inline skating is a sport where the participant will wear boots with roller blades to skate on the surface. The sport gets its name because it has two to five polyurethane wheels that are arranged in a single line. Athletes participate on a competitive or recreational level. Competitive inline skating involves the athletes racing against each other. In the end, the winner of a competition is the athlete that crosses the finish line first. Typically, inline skating competitions are hosted on an outdoor or indoor track. However, when participants inline skate for recreational fun, they typically do so outdoors.
Health benefits of inline skating
Either recreationally or competitively, inline skating has proven to offer many great health benefits for all ages. The sport is excellent exercise, enjoyable, and aids in stress relief. The following are some health benefits you can expect to receive by participating in inline skating:
- Weight Management: Inline skating keeps you very active and is a great cardiovascular exercise. Additionally, this type of movement can help burn calories which aid in weight management.
- Improves Balance: Inline Skating requires a great deal of coordination and agility to balance while you are moving. Therefore, the balance improvement you will experience is a massive benefit for your health.
- Improves heart health: Inline skating strengthens the athlete’s heart muscles by the cardiovascular endurance that it helps develop. In addition, the sport is said to be one of the best forms of aerobic exercise. For instance, it can increase the heart rate of the average skater to 140-160 beats a minute.
Get inline skating insurance that’s right for you!
With Sadler Insurance, you can customize your inline insurance package to fit your organization’s individual needs. So, whether you need insurance for your inline skating team, camp, competition, or club, you can create the coverage package that is right for you.
We have been helping to protect sports and recreational businesses, coaches, and instructors since 1975. We are proud to offer exceptional professional service and incredible rates with savings of up to 38%. Submit a quote today!