Swim Club Liability Insurance
Get Best-in-Industry Swim Club Insurance Program at Affordable Rates
Inexpensive Swim Club General Liability Insurance to Protect Against Unexpected Accidents
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A-rated Carrier provides low-cost Swim Club Insurance with coverage you can depend on.
General Liability
- Limits from $1million to $5 million
- Occurrence Policy Form
- Coverage for Athletic Participants
- Non-owned and Hired Auto option
- Sex Abuse & Molestation option
Accident
- Medical limits up to $25,000
- Deductible options
- Accidental Death & Dismemberment up to $10,000
Swimming for fun, exercise, and sport has been around for many years and is enjoyed by groups of all ages and all levels of fitness. Swim clubs provide a gathering spot where old and young can participate in sports and recreation. Swim clubs host swim team events, diving competitions, and water polo matches, and offer swim lessons and water fitness programs. There are both indoor and outdoor swim clubs and pools, with each having unique features. Most facilities offer opportunities for the most advanced swimmers— lanes separated by ropes, swimming lessons, scuba diving training— and kiddie pools for the very young. Newer facilities include water-shooting fountains, hot tubs and spas, floating “rivers,” and wave pools.
Outdoor pools range from municipality pools that collect daily fees from patrons for use of the facility to privately-owned pools found in apartment and condominium complexes , r
esidential communities, and hotels that either charge membership dues to or include pool use as an amenity. Most outdoor pools provide concession and picnic areas. Some include tennis courts, volleyball courts, management offices, pool storage areas, and chemical storage areas. Both indoor and outdoor provide separate locker and changing rooms. While outdoor pools’ hours and months of operation are dictated by climate, indoor pools can remain open year round. Most outdoor pool facilities operate from Memorial Day to Labor Day, with extended hours on weekends. Grandstand seating for meets (permanent for outdoor pools; retractable bleachers for indoor) may be offered.
On the other end of the spectrum are home pools where private residence owners teach swim lessons.
Swim Club General Liability Insurance and Risk Management Practices
Risk management practices for swim clubs and pools required by General Liability insurance carriers 
include: installation and inspection of safety vacuum and drainage systems, training of employees responsible for use and maintenance of pool chemicals, proper maintenance and testing of pool chemicals, proper storage of all chemicals with keep-out signs, proper maintenance and storage of lawn equipment (outdoor facility), diving warning and clearly marked depth signs, wet pavement signs, prohibition of glass containers with clearly marked signage, regular pool evacuation practices, proper lifesaving and first aid training and certification of all lifeguards and diving instructors, background checks on employees, especially those who work with children, regular water/fluid breaks for lifeguards, providing lifeguards with umbrellas, whistles, and walkie-talkies, constant supervision of swimmers and allowing limited number of swimmers in the pool, and first aid and defibrillators on hand. Swimmers should be prohibited from pool area in inclement weather.
While drowning is the most common accident at a swim club or pool, other accidents can occur. Swimmers can ignore signs for no diving and become injured. Guests can slip on wet pavement. Swimmers and lifeguards can suffer heat-related illnesses or from pool-borne bacteria. People can trespass into prohibited areas and become electrocuted or poisoned. Lightning can strike at outdoor facilities.
The best protection from any lawsuits generated by an accident at any swimming facility is to have both Accident and General Liability insurance policies with sufficient limits.