Liability Insurance for Swim Lessons

Triathlon Forum
1

I have been asked to start a swim lesson/swim fitness program here in SoCal, USA. The swim fitness part would be swimming lengths of the pool, learning drills and doing sets. As I would be an independent contractor, I was asked if I had liability Insurance. I do not have that. I spoke to a personal trainer who pointed me to a site where she gets her insurance. As it turns out the price was right but they only cover water aerobics not swim lessons. Go figure…

Does anyone know where I could find Insurance for a swim lesson/swim fitness program? THANKS!!!

2

Look in to USA swimming or USA Masters. They provide some types of insurance for clubs/people. Not sure if it can help you or not.

3

Swim lessons: If you’re WSI certified & can offer the program under the auspices of the American Red Cross, you’ll have some coverage. For the fitness/competition side look at USMS and personal liability insurance on the open market via your insurance agent.

4

just for a frame of reference, we aren’t allowed to be a coach and a life guard at the same time in NY state.

we have to have a sitting life guard on the deck.

just something to think about as well.

Tim

5

You were asked to do this. The people asking should have insurance. They only need to add you to their policy.

6

if you have any type of coaching credential (USA Triathlon, USA Swimming etc) you already have the insurance in place, but since you are asking I assume you aren’t a certified coach.
You can try here, https://www.hpso.com/quick-quote/page1.jsf
or try contacting www.esixglobal.com, this is who provides the insurance for the USA Triathlon coaches.

7

Mike when you coming back to the East to drop the hammer on unsuspecting tri geeks? Are you still fast as nutz? You were usually done when I rolled into T2.

8

Thanks for all your great responses. This is a very helpful start and I really appreciate it.

In response to your comment, I actually have ASCA Level 2/masters certification.

When not coaching the college men’s and women’s swim team, I teach a fitness swim class at the college as part of their Exercise Science program. Through the swim club I work for, I coach masters and novice teams year round. I have been running a lessons program on weekends for the club. But all of that is under the club insurance. I never had to worry about insurance. Never even thought about insurance unless it was home or auto. Now that it looks as if I have an opportunity to expand, I need insurance.