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Insuranks

Swim Teacher & Instructor Insurance for Swim Schools & Clubs

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As a professional swim teacher, you give your clients the confidence to swim comfortably, whether for fun or competition. The ability to swim is also vital in case of emergencies. This means that your swim instructor business is very important not only for you but for society. While this business venture is very lucrative, it equally has many risks.

Therefore, to conduct business with your pool, you need to minimize these risks. You can pass most of your liability to a third party by acquiring swim teacher insurance for your business, be it swim school insurance or swim club insurance coverage, it will help you save great expenses along the way. Read on for everything you need to know about swim instructor insurance and why you should get it.

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Swim Teacher Insurance

Given the many risks that come with swimming lessons, you need to get swim teacher insurance. Even the slightest of mistakes during a swimming session can result in costly claims. Being a professional swim teacher, you know how risky the nature of your business is. A student can easily trip over the kickboard around your pool and sustain injuries. This may result in the need to cover their medical expenses. Alternatively, while instructing your students, you may look away for a second, and one of them may hit the edge of the pool, injuring them severely. In such cases, the pool business insurance your third-party cleaner has or your home-based business insurance will not come to your aid, giving you more reasons why you should have swim teacher insurance.

Apart from bodily injury, you could also be liable if your client’s property gets damaged while providing swimming lessons. For example, you are called into a private residence to give swimming lessons and accidentally damage the pool cover while opening it. Your client will want you to take care of repair expenses. 

Furthermore, in your swim instructor profession, a client could file a professional negligence lawsuit against you. For instance, when you advise clients who want to improve their swimming skills for competition purposes, they could file a claim against you if they feel the advice failed them. This is why you should get a swim teacher insurance policy that covers both general and professional liabilities. 

General liability insurance protects you from third-party claims of property damage and bodily injury arising from your services. This policy works whether you work in a public or private space. On the other hand, professional liability insurance protects you from claims of errors, negligence, or mistakes related to your swim instructor services. Avoid putting your swim instructor business at risk of severe financial losses by getting comprehensive swim club insurance. Having this insurance cover gives you the peace of mind you need to concentrate on your career. You don't have to worry about various risks when giving swimming lessons.

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Swim Instructor Insurance Coverage Scope

Swim instructor insurance covers a wide range of areas. These include the following;

Third-Party Property Damage

A client may hire you to give them swimming lessons in their residence. However, you may forget to remove the pool vac from the swimming pool as required. Consequently, the vac breaks after your client's child jumps on it. In that case, you will be responsible for the repairs and possible vac replacement. This may be costly, especially if you are paying out of pocket. You can avoid such expenses by getting swim instructor insurance.

Third-Party Bodily Injury

You can choose to acquire a swim instructor insurance policy that covers third-party bodily injuries. This means that in case of an accident on your business premises, you won’t be directly liable to cater to the medical expenses, since the insurance company will handle it on your behalf. A few examples of third-party bodily injuries include trip and fall accidents and the possible negative effects of chlorine on your guests.

Defense Costs

It is possible to be sued by your clients for one reason or another; a client may trip and hurt themselves severely, the water may react with your client’s skin, or one may drown. Dealing with such court cases is expensive due to high legal fees. However, you do not need to worry since a swim instructor insurance policy will pay your lawyer fees and other legal expenses. 

Errors and Omissions

This is also known as professional liability. You may train a client who wants to sharpen his swimming skills to win an upcoming competition. However, they may fail to attain their target, losing the competition. If it wasn't for your training, they may believe they could have done much better; therefore, they may opt to file a claim against you. In that case, you don’t need to worry if you have a swim club insurance policy since it will cover the claim.

Swim Instructor Insurance Cost

The average swim instructor insurance cost is about $25 per month or $300 per year for individual swim teachers and can get to as low as $10/month with some companies, while the average swim school insurance cost is $58 a month or $700 a year. However, it is important to note that several factors determine the swim teacher insurance cost. Some of these factors include;

Type of Coverage

Every type of insurance cover has different types of policies. Therefore, the type of policy you choose affects the cost of swim instructor insurance. Policies with low coverage are generally cheaper, while those with extensive coverage cost more. However, it would help if you avoided low coverage insurance policies because they tend to omit crucial claims. This makes them less effective when you need them. 

Size of Your Team

As a swim instructor business, you have a team that helps you keep operations going. You could have a few swim instructors and technicians that handle the pool. This makes up a team that needs insurance. The bigger your team is, the higher the insurance policy you need. This will go a long way in preventing financial losses in case of claims against your business. 

Risk Factors

How risky is your swim instructor business? If your business faces lots of claims, you could spend more on insurance. The rate at which clients file claims against your business is crucial in determining the cost of insurance. Businesses with low-risk exposure don't need extensive insurance cover. Therefore, you should take note of your business's risk exposure when allocating funds for insurance purposes. This helps secure your swim instructor business. 

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