Rink

D uring the 2008 NARCE ORM (Operations and Risk Management) class this year there were some very interesting topics unveiled during the Insurance Evaluation and Insurance Purchasing sections of the program. The class attendees were really sharp and as always, we were fortunate to have some ice arena insurance experts in the room to share their expertise and knowledge of the ice rink insurance. Thank you to Chuck and Joan Rice from Rice Specialty Risk and John and Jeff Gray from Wells Fargo/Richardson Group. One topic that came up which is usually not on the minds of rink operators, was non-owned vehicle coverage. Imagine how many times you ask one of your employees to run down to the store to get gas for the edger or make a run for the snack bar. What happens if that employee gets into an accident? Like so many things, we don't want to think about it, but when it comes to insurance it is always better to be prepared and have the pieces in place to handle an unpleasant situation. So does your facility have non-owned automobile coverage? One of our insurance vendors mentioned that their company usually adds this coverage for facilities whether they ask for it or not because they know most facilities have the practice of sending employees out on errands in their own cars. However, the words "usually" and "most" do not mean that your facility has this coverage. Make sure to do your homework and confirm that your facility is protected. Another topic that came up is pollution coverage, many facility operators thought this was included in their liability policy, however it usually is not, and you have to ask for it specifically. What kind of pollution are we talking about? Any kind of pollution, including air, water, chemical, etc. Air pollution is the one exclusion, so if your edger or ice resurfacer is out of tune and poisons your patrons with carbon monoxide, you're not covered unless you added this pollution coverage specifically to your policy. This is another one of those topics that too many facilities don't think about until it is too late. Make sure you are properly covered by meeting with your insurance agent and asking these specific questions. ★ 50 R INK MAGAZ INE May/June 2008 insurance tales ■ Learn to manage your risk from real-world insurance stories Give a Hoot! Discussions at NARCE tackle pollution & possible car accidents by DAVE WESCOTT Imagine how many times you ask one of your employees to run down to the store to get gas for the edger or make a run for the snack bar. What happens if that employee gets into an accident?

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