Athos specializes in skate park insurance coverage for privately owned skate park facilities, mobile parks, skate schools or skate instructional organizations. Our insurance program covers the riders and covered activities occurring within your park, including events and competitions in the United States.
We offer General Liability coverage, including Athletic Participant Liability, and Athletic Accident Medical insurance to skateparks.
Skate Park General Liability Insurance
This provides coverage for bodily injury negligence claims brought by Third Parties. Third parties are non-staff and non-crew members such as bystanders or spectators).
Athletic Participant Liability
This covers bodily injury negligence claims brought by Athletic participants (skate park/ skateboard park riders). Most general liability policies exclude this, so it is important to check your policy includes this. The Athos Skate Park Insurance program always includes Athletic Participant Liability, unless we specifically disclose otherwise.
This is a no-fault based accident medical reimbursement policy up to the purchased limit. It is subject to the policy deductible. This coverage is crucial to help minimize small no-fault based injuries from becoming lawsuits claimed on the General Liability policy.
Owned Equipment Insurance
Skate Park Insurance Equipment Insurance covers accidental damage to or theft of all owned equipment, such as ramps, inventory (if you have a pro-shop), safety equipment & protective equipment (helmets, elbow pads, wrist guards, etc...), and other personal property related to your skate park's operation.
Non-Owned and Hired Auto Liability
If you plan to rent a truck or vehicle for your operations, you will need this type of auto liability. This covers your business if an employee or causes harm or damage to other vehicles and/or people while operating a non-owned or hired vehicle. This often happens when employees are running a business errand in their own cars (non-owned vehicles).
If a third party is injured due to your loading and unloading equipment from non-owned and hired autos, this also covers those types of claims. (Third Party is a non-staff or non-employee)
Excess Liability Insurance
This policy covers additional limits to supplement an existing general liability policy.
Workers’ Compensation Insurance
This is statutory coverage for employees you hire as staff and/or employees (including 1099s)