You own the building and everyone else’s activity happens inside it.

Commercial property

Buildings and contents, valued at what it costs to rebuild today rather than what you paid.

Without it — The building, the surface, the equipment and the fit-out are the business.

General liability

Third-party bodily injury and property damage — the line nearly every contract names by default.

Without it — Participants, spectators and everyone visiting a building built for collisions.

Participant accident

Pays the medical costs of someone injured while taking part — a player, a camper, a rider — without anyone having to establish that the organisation was at fault.

Without it — Injuries in ordinary play, covered without a fault argument that would name you.

Tenant user liability

A programme that lets a venue sell short-term liability cover to the people hiring it, so a facility can require insurance without turning away every hirer who has none.

Without it — A programme that insures every hirer to your standard instead of you reviewing their certificates.

Business income

Replaces the profit and pays the ongoing bills while a covered loss keeps you closed — the part of a fire claim that is not the building.

Without it — A closed floor loses the leagues, the camps and the memberships at once.

Sexual abuse & molestation

Covers allegations of abuse by staff or volunteers. General liability usually excludes it outright, and any organisation working with children, patients or vulnerable adults will be asked to carry it by name.

Without it — Youth programmes in your building are your exposure as well as theirs.

Liquor liability

If you serve alcohol, your general liability almost certainly excludes what happens after you serve it.

Without it — A bar, a tournament licence or a hosted event changes the risk entirely.

Equipment breakdown & spoilage

Covers the walk-in, the compressor and the line when they fail from the inside — a mechanical or electrical breakdown is excluded by property policies, and the stock that thawed goes with it.

Without it — Refrigeration on an ice sheet, HVAC in a dome, lighting on a turf field.

Should we require insurance from every group that rents from us?

Yes, and the practical question is how. Requiring certificates means refusing bookings from groups that cannot produce one and having staff assess documents they are not qualified to read. A tenant user programme sells compliant cover to each hirer directly, so every booking is insured to a standard you set and nobody on your team is underwriting. For a facility with constant short-term hire it is the difference between a policy and a process.

How a facility programme works

We host tournaments. Does that need something extra?

Usually, because a tournament is an event rather than ordinary operations: more people, visiting teams, occasionally alcohol, sometimes vendors, and often a sanctioning body with its own insurance requirements. Declare tournament activity rather than letting it sit inside general operations — the difference is what an underwriter would want to know, and what a claim would examine.

What drives our premium most?

The activities on the floor and the age of the people doing them. Contact sports, height, ice, water and anything with a machine rate higher than court sports. Youth programming brings abuse and molestation into the centre of the underwriting. Square footage and revenue set the scale; the activity mix sets the rate, and a precise description of it is worth real money.