Lifeguard and Swim Instructor Insurance

Lifeguard and Swim Instructor Insurance

Protect your finances and reputation with a comprehensive lifeguard and swim instructor insurance policy.

Trusted by over 300,000 Canadian small business owners!

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Trusted by over 300,000 Canadian small business owners!
Save up to 35% on your insurance
Instant price and coverage in just a few clicks!
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Zensurance - Swim Instructor

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Swim Instructor

Insurance for lifeguards and swim instructors

Lifeguards watch over swimmers and keep us safe in and around bodies of water, such as swimming pools, beaches, lakes, or water parks. Their primary duty is to prevent accidents, respond to emergencies, and provide assistance when necessary.

Swim instructors perform equally important roles. They play a vital role in teaching swimming skills, promoting water safety, and helping individuals develop confidence and proficiency in the water. 

But lifeguards and swim instructors face liability risks and need insurance for several reasons, including:

  • They work in environments where accidents and injuries occur
  • They’re responsible for providing instruction and ensuring the safety of those they supervise
  • They face personal injury risks while performing their duties
  • They often work in aquatic facilities and use equipment during their sessions

Whether you’re a lifeguard or swim instructor, you need lifeguard insurance or insurance for teaching swimming.

Lifeguard and swim instructor insurance is a customized insurance policy designed to protect individuals working in these roles from various risks and liabilities associated with their profession.

A comprehensive lifeguard and swim instructor insurance policy usually includes the following coverages:

  • Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, protects lifeguards and swim instructors if they are held legally responsible for third-party bodily injury or property damage that occurs during their duties. For example, if a swimmer gets injured or if their personal belongings are damaged due to the negligence of a lifeguard or swim instructor, general liability insurance can help cover their legal expenses if sued, a swimmer’s medical costs, or pay for repairing or replacing a swimmer’s personal belongings that have been damaged.
  • Professional Liability Insurance: Also known as professional indemnity insurance or errors and omissions (E&O) insurance, it protects lifeguards and swim instructors against claims of professional negligence, errors in teaching, or failure to provide proper instruction. It covers legal expenses and settlements if they are accused of causing harm or injury due to their professional actions or advice.
  • Commercial Property Insurance: Commercial property insurance is designed to cover costs for damage or loss caused by a lifeguard or swim instructor to an aquatic facility where they work or the equipment they use due to accidents or negligence.
  • Legal Expense Insurance: Lifeguard and swim instructor insurance typically includes coverage for legal defence costs if they are sued or face legal claims related to their professional activities. It covers attorney fees, court costs, and other legal expenses.

You may require other coverages to create a customized policy that suits your needs. Speak to a licensed Zensurance broker if you have questions about how to ensure you have adequate protection.

The cost of liability insurance for swim instructors and lifeguards are based on several factors, including:

  • The locations where you work
  • Your experience, certification, and training
  • The services you provide
  • The coverages and coverage limits you select
  • Your annual and projected revenue
  • Your insurance claim history

Getting insured is quick and easy!

Complete our 5-minute online application for a free insurance quote.

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Common claims scenarios

person slipping into a pool

Problem: A swimmer or visitor at a pool or aquatic facility slips and falls due to a wet or slippery surface, resulting in injuries. The injured person sues, alleging negligence in maintaining a safe environment.

Outcome: Your commercial general liability insurance may cover the injured swimmer’s medical expenses and provide you with funds for your legal defence.

private swimming lessons

Problem: While providing swimming lessons, a swim instructor inadvertently instructs a student in a way that leads to an injury. The swimmer files a claim against the instructor for professional negligence.

Outcome: Your professional liability insurance may cover the cost of defending yourself against the claim.

swimming pool

Problem: A drowning or near-drowning occurs in a pool you supervise as a lifeguard. The injured party claims you failed to provide adequate supervision or perform a timely rescue. 

Outcome: Your professional liability insurance may cover the cost of defending yourself against the claim.

Frequently asked questions

Can lifeguard and swim instructor insurance cover me for multiple locations or facilities?

Yes. Many lifeguard and swim instructor insurance policies cover you for your work at multiple locations or facilities. However, it is crucial to review the policy terms and ensure that it includes coverage for all the places where you provide services.

Will my insurance cover me for teaching activities outside of water, such as classroom sessions or dry-land training?

Lifeguard and swim instructor insurance policies typically focus on coverage for activities directly related to swimming and water-based instruction. However, some policies may offer limited coverage for dry-land activities or classroom sessions directly associated with swim instruction.

Does my employer’s insurance cover me as a lifeguard or swim instructor?

While some employers may provide coverage for their employees, it’s common for lifeguards and swim instructors to carry insurance policies to ensure they have sufficient protection.

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Whether it’s lifeguard insurance or insurance for teaching swimming lessons, protect your finances and reputation with a customized lifeguard and swim instructor insurance policy from Zensurance.

Fill out our online application for a free quote. With over 50 Canadian insurance providers in our partner network, our friendly brokers will find and tailor the low-cost policy you need quickly and easily.

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