Skating Rinks--Ice

What Does GL Code 48177 Cover?

ISO GL class code 48177 specifically covers operations related to ice skating rinks, including public skating sessions, figure skating, and ice hockey activities. This class encompasses the general liability exposures associated with maintaining an ice surface, providing rental equipment, and managing patrons in a recreational setting. It classifies businesses primarily engaged in offering ice skating as their core service.

Who Uses This Class Code?

Businesses that fall under this code include dedicated ice skating rinks, multi-sport complexes with ice rinks, ice hockey training facilities, and venues hosting professional or amateur ice sports. This also applies to establishments that offer public ice skating sessions, lessons, and equipment rental.

Common GL Claims for This Class

Common claims for ice skating rinks include injuries from falls on the ice, collisions between skaters, and injuries sustained from faulty rental equipment. Additionally, claims can arise from slip-and-fall incidents in locker rooms, restrooms, or concession areas within the facility.

Coverage Tips for Code 48177

• Ensure your policy includes adequate premises liability coverage for slip-and-fall incidents on and off the ice, which are common in this environment.
• Verify that your general liability policy extends to cover participant liability, especially for organized sports or lessons, to protect against claims from injuries sustained during activities.
• Implement a robust waiver and release of liability program for all participants, especially minors, and ensure it is legally sound and regularly updated to comply with Florida law.
• Regularly inspect and maintain ice surfaces, rental equipment, and facility infrastructure to mitigate hazards and demonstrate due diligence in the event of a claim.