Swimming is a great form of exercise and an important life skill that many people should have. Not only does it help keep your heart rate up and build endurance without the stress on your joints like running or jumping, but it also teaches people about water safety and survival whenever they are at the beach, pool, or around another body of water. Just in Ontario, two-thirds of drowning victims that are between the ages of 5 and 12 were a result of playing or swimming in the water. With proper swimming lessons from a qualified swimming instructor, that number could potentially be reduced significantly. Whether you’re teaching swimming lessons to toddlers, kids, adults, or the elderly, you have an important role to play for the health, safety, and wellbeing of all Canadians.
At ALIGNED, we understand the big role that swimming instructors have. They have to design lesson plans, teach with swimming equipment, supervise their students’ safety, and more. To ensure a secure environment where students and teachers can interact safely and confidently, swimming instructor insurance is required by many, if not all, swimming organizations and facilities. These organizations and facilities want to ensure their instructors have adequate insurance coverage for their business. In the event of a student injury or another damage, swimming instructor insurance provides recourse for the loss. It also protects the organization or swimming facility from bearing any financial loss from the third-party claim, should they be deemed liable for the damages.
Finding robust swimming instructor insurance could be challenging, especially because there are multiple insurance companies and coverage options available in the insurance market. You also might not know which types of insurance coverage you need based on your unique business requirements and operational risks.
With a commercial insurance product specialist from ALIGNED, we will be happy to guide you through the different swimming instructor insurance coverage options available to you, and answer any questions about swimming instructor insurance that you may have. All you have to do is contact an ALIGNED commercial insurance specialist for a free quote, or use our free online tool.
Why is Swimming Instructor Insurance Important?
Like any business and industry, there are risks associated with the operations of the business. With swimming instructors, they face unique risks that other businesses might not. That’s why it’s important to purchase comprehensive insurance that’s designed specifically for the needs of swim instructors.
As a swim instructor, there are many risks that could arise during daily operations, despite careful precautions. Some of these risks include:
- A student slips on the wet floor while walking on the swim deck during a lesson and injures their back.
- The equipment and building you use to teach swimming, such as mannequins, swimming bricks, and pool, is damaged.
- A student suffers a loss resulting from the swimming lessons you provide.
There could be other risks that you aren’t even aware of. It’s important to balance adequate swimming instructor insurance with your risk management needs to ensure your business is protected against these risks and many other ones. Some of the questions you should be asking to better manage your operational risks include:
- Do I have enough insurance to cover the risks associated with the services I provide?
- What are some of the risks I might face during daily operations?
- Do I employ temporary swimming instructors and other trainers?
- What is the total value of commercial property and assets I have in my swimming instructor business?
ALIGNED offers comprehensive swimming instructor insurance plans to keep your business covered and mitigate risks and financial losses you might face.
What Does Swimming Instructor Insurance Include?
Commercial General Liability Insurance – Also known as CGL insurance, commercial general liability insurance covers bodily injury and property damage clients suffer from your swimming lesson services or while on your premises, such as a slip-and-fall accident. It can also cover claims of advertising injuries, such as libel, and slander.
Professional Liability Insurance – Sometimes, students suffer loss from misconduct, errors, negligence, and omissions as you deliver your swimming lessons. Professional liability insurance, also known as errors & omissions insurance, covers situations where your mistakes cause financial loss or damage from your errors or omissions.
Commercial Auto Insurance – Swim instructors could offer private lessons at specific locations or in their student’s backyard pool, which involves driving. Commercial auto insurance covers medical, property damage, loss of income, disability benefits, and more if you are involved in a collision or accident.
Cyber Liability insurance – Student information and sensitive payment data could be stored in an online database. Cyber liability insurance can protect your business against the loss that your client suffers if their information is leaked and other related costs.
Get the Right Swimming Instructor Insurance Policy with ALIGNED
ALIGNED works with Canada’s top insurance companies to provide custom insurance packages at affordable prices. Contact an ALIGNED commercial insurance specialist for a free quote, or use our free online tool.
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