It is recommended that Skating Facilities have insurance in place before offering any services to customers. There is often a checklist that goes into a business start-up in Canada and may include such steps as setting up a bank account and POS system, seeking the proper business license with your home jurisdiction, and developing processes for staff. Getting insurance quotes and developing a package with your broker for your new business should also be high on that list. It’s difficult to say when you will first need insurance coverage, but it will be easy to know when it is too late.