A Smarter Program For Rinks & Sports Facilities.
One master program built around how rinks and complexes actually run — comprehensive coverage with the specialized exposures written in, plus the management tools that keep claims low and your renewal defensible. This is the case for moving your facility to Matterhorn.
We Underwrite The Facility — not just the building.
Standard commercial lines leave dangerous gaps between athletic-participation exclusions, ammonia leaks, and equipment breakdown — then price each location in isolation. We take the opposite approach: one master program that treats a rink, an arena, or a multi-sport group as a single portfolio, wraps in the specialized coverages from day one, and pairs the policy with active risk management. Three principles drive every placement.
Portfolio Underwriting, Not One-Off Quotes
We underwrite the whole facility — or the whole group — as a single risk. Blanket Total Insured Value unlocks higher property limits and preferred pricing you simply cannot reach quoting each location on its own.
Coverage Built In, Not Bolted On
Participant liability, liquor, abuse & molestation, and the specialized ammonia and refrigeration exposures are written in from day one — no dangerous write-backs, no gaps between the policy and how a rink actually operates.
We Manage The Risk — Not Just The Paper
Every bound facility runs on our risk-mitigation technology and protocols that actively drive claim frequency down — protecting your client's premium, your loss ratio, and the long-term health of the program.
Every Line A Rink Needs — under one roof.
The exposures that get a rink non-renewed in the standard market — ammonia, equipment breakdown, participant liability, abuse, liquor — are written into the program, not carved out of it. Here is the full coverage stack.
Commercial General Liability
Primary GL with umbrella / excess layers available.
- Participant legal liability — hockey, figure skating, public skate, learn-to-skate
- Spectator & premises liability across concourse, seating, and parking
- Host liquor liability where alcohol is served
- Hired & non-owned auto
- Sexual abuse & molestation ($1M / $2M sub-limit)
Commercial Property
Buildings and business personal property on a blanket basis.
- Boards, dasher systems, protective glass, and netting
- Scoreboards, sound systems, and rink lighting
- Dehumidification and ice-plant infrastructure
- Refrigerant inventory (ammonia / R-22)
- Business income & extra expense
Equipment Breakdown
The exposure standard markets exclude or under-write.
- Refrigeration compressors — ammonia and R-22 systems
- Electrical switchgear and transformers
- Dehumidifiers, chillers, and HVAC
- Service interruption & spoilage
Excess / Umbrella
Attaching over GL, auto, and employer's liability.
- Follow-form excess over primary GL
- Schedulable across every facility in the program
- Capacity sized to municipal and large-venue contracts
Six-Rink New England Portfolio
How the program assembles for a real multi-location operator — six independent rinks consolidated from a stack of standalone policies into one master placement.
One Login For The Whole policy term.
The program is not a binder that sits in a drawer until renewal. Brokers and their clients log into the same facility-management tools — a claim-management system that defends slip-and-fall losses, and an asset dashboard that keeps the schedule accurate all year. This is the day-to-day machinery that keeps the program profitable and your client protected.
Claim Management & Slip-and-Fall Defense
Slip-and-falls are the loss that quietly sinks a rink's loss ratio. Our QuickClaim system turns every incident into a documented, defended file from minute one — and a standardized checklist makes sure nothing is missed, whether you are preventing the loss or handling it.
Report a Claim
Malden Valley Forum · Rink A
Operators and staff submit and manage claims from the rink floor — photos, witness statements, GPS, and timestamps captured in real time.
Launch Live PrototypeSlip-&-Fall Mitigation
- Daily ice / turf surface inspection logged with timestamp & initials
- Public concourse slip-and-fall housekeeping protocol enforced
- Wet-entry, locker-room, and rubber-matting walk-paths inspected per shift
- Spectator netting, glass, and dasher-board integrity inspected
- Ammonia / Freon LEL sensors calibrated and centrally alarmed
- Mandatory background checks for all youth-program staff & volunteers
Claim Management
- 1Secure the scene and provide immediate first aid / medical response
- 2Capture the incident in QuickClaim within minutes — photos + GPS + timestamp
- 3Record witness statements while recollection is fresh
- 4Preserve physical evidence (surfaces, signage, equipment, footage)
- 5Auto-route to a specialized sports-rec adjuster for rapid triage
- 6Notify the Matterhorn underwriting team of any reserve-impacting event
- 7Track claim status and adjuster updates inside the operator portal
- 8Complete a root-cause review and update the risk-mitigation log
Front-line staff log slips, participant injuries, and equipment issues from the rink floor — building a defended file from minute one and a maintenance record underwriters reward.
Real-time loss analytics show exactly where a client's exposure sits before it becomes a claim — the risk-management story you walk into every renewal with.
The Facility Asset Dashboard
A live registry of everything the policy insures. Facilities load and manage their equipment, upload reports and inspections, and flag any mid-term change straight to the carrier — so values stay accurate, documentation stays current, and coverage never drifts out of step with the operation.
Load & Manage Every Asset
Clients build a living registry of insured equipment — compressors, ice resurfacers, dehumidifiers, dasher and glass systems — with make, model, age, and replacement value mapped straight to the policy schedule.
Upload Reports & Inspections
Refrigeration PM reports, ammonia-sensor calibrations, fire and life-safety inspections, and surface-maintenance logs are uploaded and time-stamped in one place — the documentation that earns and defends preferred terms.
Tell The Carrier What Changed
New resurfacer? Compressor rebuild? Added a turf bay? Clients flag mid-term changes straight to underwriting — values stay accurate and coverage stays aligned all policy term, with nothing discovered for the first time at claim.
Built For Real Facilities — with real results.
If your client runs ice, turf, or a mix of both, the program is likely a fit. Here is what qualifies — and what an operator can expect to change once they move to Matterhorn.
Single-Sheet Community Rink
PreferredDocumented maintenance logs, modern leak detection, and youth-program background checks — the bread-and-butter of the program.
Multi-Sheet Arena & Fieldhouse Group
PreferredWhere blanket TIV shines — refrigeration-heavy rinks blended across lower-hazard turf and court space under a single renewal.
Indoor Turf & Multi-Sport Complex
PreferredParticipant liability, leagues, tournaments, and concessions integrated — including liquor liability where alcohol is served.
Legacy R-22 / Propane-Fleet Rink
WorkableWe will write it alongside a tech-onboarding roadmap — refrigerant, detection, and resurfacer upgrades mapped to preferred terms over time.
- Formal, documented ice / turf maintenance logs
- Strict youth-sports abuse prevention & mandatory background checks
- Modern, monitored ammonia or Freon detection systems
What An Operator Can Expect
The before-and-after of moving a facility onto the Matterhorn program.
Every facility consolidated under a single program — no more chasing six renewals, six invoices, and six certificate sets.
Blended rating and active loss control bring premium down while broadening coverage — frequently below an expiring quote.
Slip-and-fall and participant claims are documented and defended from minute one, cutting both frequency and severity over time.
Ammonia, equipment breakdown, abuse, and liquor are written in — the gaps that sink standard-market rinks are closed up front.
How One Broker Saved An Account — and won two more.
A real example of how the program turns a defensive renewal into an offensive growth play. Account details anonymized.
A regional broker was about to lose a long-standing account. The incumbent carrier non-renewed two ammonia-system rinks after a refrigeration loss, and the remaining markets were quoting each of the six facilities on a monolithic basis — pushing the total premium up 41% with a $250K ammonia sub-limit the client couldn't live with.
We rebuilt the account as a single blanket-TIV program. Blended rating spread the two refrigeration-heavy rinks across the four lower-hazard turf and fieldhouse locations, and we wrote the ammonia and equipment-breakdown exposures in from day one — no write-backs. Every facility was onboarded onto QuickClaim and our risk-mitigation protocol before bind, which the capacity provider rewarded with preferred terms.
The broker walked back into the renewal meeting with broader coverage and a lower number. The account bound on a single master policy, the client kept all six facilities under one renewal date, and the broker has since moved two competitor accounts onto the same program.
Matterhorn didn't just match the expiring terms — they handed me a better program at a lower price and gave me the risk-management story to keep the account for good. I've moved two more facilities to them since.
How To Apply.
Gather Account Essentials
Collect standard ACORD apps (125, 126, 140), 4–5 years of currently valued loss runs, and our supplementary Rink / Complex questionnaire.
Submit via the Broker Portal
Upload documents directly to our secure portal. Our automated intake system instantly maps the data into our underwriting workspace.
Initial Underwriting Review
Our specialized sports-risk underwriters evaluate the portfolio exposure within 48 hours for an initial go / no-go or request for further data.
Indication & Tech Onboarding Map
Receive a formal indication along with a custom risk-mitigation tech roadmap tailored to that facility's operational footprint.
Let's Build Your Next portfolio play.
Have a complex multi-location rink account, a municipal arena group, or a specialized sports complex on your desk right now? Don't guess on the appetite — book a quick 15-minute call and we'll map the placement together.
Fifteen Minutes To Map the facility.
Bring a rink or complex you're working — we'll tell you whether it fits, what we'd need to quote it, and what the program looks like. No commitment, no carrier guessing-game.
We listen first — sector, size, prior carriers, what's pushing the deal forward.
Markets we'd approach, expected pricing band, data we'd need to bind.
A clear path: who quotes, what to gather, who follows up — no fluff, no commitment.