– Lifeguards & Swim Instructors

Insurance for

Lifeguards & Swim Instructors

Provides financial protection in case of accidents or liability claims that may arise while they are performing their duties, ensuring their peace of mind and covering potential legal and medical expenses.

WHY DO

Swimming Instructors & Lifeguards Need Insurance?

Aussie lifeguards and swim instructors need to secure their businesses with insurance! Accidents and unplanned events during classes or support duties pose a big financial risk. With high responsibility for safety, legal liability is a concern. Without insurance, you could face a hefty financial burden. Let us help you compare and find the best protection for your business today!

Cover Types for

Swimming Instructors & Lifeguards

These insurance types help swimming instructors and lifeguards manage the unique risks associated with their profession and ensure financial protection for their business, clients, and equipment.

Professional Indemnity Insurance

Covers claims of negligence, errors, or omissions in the services provided by swimming instructors or lifeguards, such as a student suffering an injury due to improper training or supervision.

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Public Liability Insurance

Essential for protecting against claims for third-party injuries or property damage that may occur during swimming lessons or pool supervision, such as a student or pool visitor getting injured in an accident.

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Business Interruption Insurance

Provides coverage for lost income and ongoing expenses if the business is disrupted due to an unforeseen event, such as pool closure from a storm or facility damage.

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Business Property Insurance

Covers the physical assets of the business, including any pool equipment or training gear, from risks like fire, theft, or vandalism.

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Equipment Insurance

Specifically protects swimming and rescue equipment, such as pool safety gear, lifeguard tools, and teaching aids, from loss, theft, or damage, ensuring they can be replaced if necessary.

Workers' Compensation Insurance

Required if employing staff, this covers medical expenses and lost wages for employees (instructors or lifeguards) who suffer work-related injuries, such as an injury while rescuing someone in the pool.

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Scenarios where

Swimming Instructors & Lifeguards Need Insurance

A swimming instructor is conducting a lesson, and one of their students sustains an injury while practicing a swim stroke. The injured swimmer’s family decides to sue the instructor for negligence, claiming that inadequate supervision or instruction led to the injury. In this scenario, Professional Indemnity Insurance would be crucial to cover legal defense costs and potential settlements.

A lifeguard on duty at a public pool faces a critical situation when a swimmer begins to struggle and ultimately drowns despite rescue attempts. The family of the victim files a lawsuit against the lifeguard and the facility, alleging that the lifeguard failed to respond appropriately. Public Liability Insurance for the facility and Personal Liability Insurance for the lifeguard would be essential to handle legal expenses and potential damages.

While conducting a swimming lesson, a swimming instructor accidentally damages expensive pool equipment, such as underwater cameras or lane dividers. Without Business Property Insurance, the instructor would be personally responsible for covering the cost of repairing or replacing the damaged equipment, potentially leading to a significant financial burden.

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Swimming Instructor & Lifeguard Business Insurance

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