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In the United States, no summer is complete for families or groups of friends without spending their merry time on beaches, lakes, rivers, public swimming pools, waterparks , and other similar places.
Being in water can be perilous without knowing how to swim. It all takes one careless mistake for an enjoyable swim to become a disaster. For this reason, a lot of people in the United States look for swim instructors and seek private swim instructor insurance to cover potential liabilities.
Swim teachers are similar to personal chefs or computer technicians in that they face certain risks while doing their job. For these risks, liability insurance for swim instructors provides the quickest solution for any arising problems. This article will discuss how helpful swim teacher insurance, swim club insurance, and swim school insurance are, their cost, and how they work.
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Swim instructor liability insurance pertains to an insurance product that carriers offer for swim instructors. Insurance for swim teachers offers liability coverage, which provides protection against legal issues.
Teaching people how to swim isn’t that easy. Aside from giving instructions, a swim teacher also needs to make sure that the students don’t get injured. But sometimes, injuries still happen even if care is perfectly observed. Even if it’s the students’ fault for getting injured, a swim teacher still has liability. And so, facing a personal injury lawsuit is highly possible. The table below outlines the injuries swim teachers might have to pay for in personal injury lawsuits.
| Type of Injury | Settlement Cost Swim Teachers Might Pay |
|---|---|
| Shoulder Injury | $215,000 |
| Knee Injury | $165,000 |
| Head Injury | $1,000,000 |
| Ear injury | $67,000 |
The figures in the above table show that swim teachers might find it very difficult to pay for personal injury settlements using their own money. For this reason, carriers offer general liability coverage. General liability coverage in swim teacher insurance provides a minimum of $1 million for each personal injury lawsuit clients file. With general liability coverage, a swim teacher can have the money to pay for attorney fees and compensation to the injured person.
But general liability won’t only pay for personal injury lawsuits. It will also pay if the customer files a lawsuit due to damaged property. The coverage still works the same in this case and provides $1 million so that the swim teacher can reimburse the client equal to the cash value of their damaged belongings.
Swim teacher insurance doesn’t offer unemployment coverage. Those who want to be protected in case of unemployment must get a stand-alone unemployment policy. A stand-alone unemployment policy gives money to the policyholder on a weekly basis. Most of the time, it provides $50 – $500 or more a week to the policyholder. States offer unemployment insurance programs and it’s best to get a hold of them as soon as one starts working.
Most students take swimming lessons as a deterrent for drowning accidents. But sometimes, the exact opposite happens. Students drown in swim class instead of learning how to swim. In most cases, drowning accidents that happen during swim class might put the swim instructor at fault. And so, it’s important to ask whether or not swim instructor insurance covers drowning.
Swim teachers can use their general liability coverage if their insurance specifically lists drowning accidents as covered and if the student or any acquaintance of the student files a personal injury lawsuit. With that being said, it’s not 100% for general liability to work on drowning incidents.
Liability coverage that might work perfectly for lawsuits arising after a student drowned is professional liability. Most of the time, lawsuits put the blame on swim instructors because of negligence. Professional liability coverage is a policy that provides protection when the policyholder causes damage by being negligent.
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Swim teachers can’t help hold their student’s arms, shoulders, torso, and legs while giving instructions. The problem is, some students can overreact to these gestures. The result? Sexual harassment lawsuits.
Still, we can’t blame people for overreacting when a swim instructor makes physical contact, as the United States is a place where sexual harassment is rampant. Public liability insurance for swimming teachers can help protect against general liability claims Here are some interesting statistics:
Swim instructor insurance having employment practices liability with sexual harassment coverage will protect swim teachers against sexual harassment lawsuits. Just like general liability, employment practices liability gives the policyholder $1 million with a median deductible of $5,000.
A lot of studies have shown that attendance at swim schools can greatly reduce the risk of drowning in children. However, one can’t deny that unintentional drowning accidents also happen in swimming centers. Here are some examples:
Interestingly, there were 387 fatal accidents in the United States from 2016 – 2018 that happened in pools owned by swim schools and swim clubs.
Swim schools can face legal responsibility for any injuries that happen to students. And so, it’s not only their swim teachers that need insurance but also themselves. Swim school insurance and swim club insurance offer:
Aside from what’s above, carriers also offer business owners policy for swim schools and swim clubs. Business owners policy bundles general liability and commercial property and allows the policyholder to add any additional coverages without any significant increase in rates. And so, it’s the most viable option since it’s cheap and comprehensive.
Business insurance for private swim instructors typically includes coverage for liability, professional indemnity, and property damage, ensuring comprehensive protection.
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Thimble offers on-demand and short-term insurance for swim teachers. You can instantly get insured online. Once you’re covered, Thimble gives you an ACORD 25 certificate of insurance.
Rating;9.5/10
Marsh offers a packaged insurance product. Note that one of this company’s specialties is underwriting policies that perfectly cater to unique exposures swim clubs, schools, and teachers face.
rating; 8/10
The Swim Club Insurance
The Swim Club takes pride in its insurance agents who are also bonafide swimming professionals. Therefore, you’re sure to get coverage that’s very useful. The Swim Club offers very cheap rates to non-profit swimming organizations.
Insuranks rating; 8/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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