What insurance for skating rinks, ski resorts, snowmobile renters?

Winter is defined by its ice, snow, sleet, and cold.

If you think everyone hates the four elements of winter, think again. Many love the outdoors in winter and delight in sports activities designed with winter elements in mind. However, the companies that provide the facilities that winter sports offer face high-risk exposure, something the broad insurance industry is prepared for with associated commercial liability coverage.

Below, you’ll find three of the most general places for winter fun, and the corresponding insurance protection needed.

1. Coverage of the Skating Center
Whether it is an ice skating rink or a roller skating rink, the risk exposure is quite high. The reason for this, of course, is that the likelihood of injury to sports participants and spectators is at a higher level, as are the property hazards that come along with a large open space and related equipment maintenance. .

Relevant business insurance coverage can be obtained from many reputable companies.

2. Ski Business Insurance
Of all the sports in the colder months, it is probably the activity related to skiing that presents the greatest danger. While every person who skis is solely responsible for his or her personal safety, the courts have consistently ruled against commercial establishments that provide the sporting opportunity. This is especially relevant for slope and trail management, and up-slope safety.

There is also the responsibility of ski operations when it comes to the following:

• Premises liability for lodges, retail stores and restaurants owned and operated by the ski company
• Workers’ compensation liability for ski patrols and coaches
• Patrimonial liability for restaurant kitchen operations and ski repair within the facilities.

3. Commercial Snowmobile Rental Coverage
Those who engage in recreational snowmobile rentals have been known to profit from the financial gains. These include winter resort owners and snowmobile dealers, as well as trail operators located in the colder states of the US Associated policies cover correlative liability and physical damage. Most insurers require these companies to enter into a hold and harmless agreement that ensures the renter accepts liability for any snowmobile passengers or operators.

The current popularity of snowmobile racing, derbies, safaris and rallies is why snowmobile clubs sponsor the events. Associated plans cover the club’s liability for sports observers and participants.

This insurance can also be purchased by:

• Commercial entities that use snowmobiles
• Government agents using snowmobiles
• Snowmobile break-in services