Swim Instructor Insurance

Insurance for Swim Instructors and Swimming Teachers

Whether you teach private lessons at a client’s home pool, run group classes at a community center, or coach a local swim team, you work in an environment where accidents can happen. Swim instructor insurance is intended to help protect you if something goes wrong on the job.

Who this is for:
Independent swim instructors, swimming teachers, aquatics coaches, and small swim schools looking for general liability or professional liability coverage.

Why Do Swim Instructors Need Insurance?

Teaching swimming is rewarding, but it comes with real risks. A student could slip on the pool deck, get injured during a lesson, or a parent could claim the instruction caused harm. Without the right coverage in place, a single claim could cost you thousands of dollars out of pocket.

General liability insurance for swim instructors is generally intended to help cover costs related to:

Bodily injury to a student or bystander
Property damage that happens during a lesson
Claims related to your instruction (with professional liability)
Medical expenses for injured third parties

Important:
Many pool facilities and recreation centers require swim instructors to show proof of insurance before they can teach on-site. Having your own policy may also be required if you teach at a client’s private pool.

Types of Coverage That May Be Available

Every instructor’s situation is a little different. Here are some common types of coverage that may be worth considering:

General Liability – Intended to help with costs if a student or third party is injured, or if property is damaged during your lessons.
Professional Liability (Errors and Omissions) – Intended to help if a student or parent claims your instruction caused harm or failed to meet a professional standard.
Accident Medical – May help cover medical expenses for participants injured during your lessons, regardless of fault.

Tip:
If you are an independent contractor who teaches at multiple locations, a portable liability policy may allow you to take coverage with you wherever you teach. Ask about this when you request a quote.

Request a Quote for Swim Instructor Insurance

Fill out the form below and one of our agents will get back to you. We work with multiple carriers to find options that fit your situation. Most swim instructors can get a quote quickly.

Liability Insurance Request - Athletics or Sports

"*" indicates required fields

START YOUR QUOTE for Business Insurance

About You or Your Business

Name*

First Last

Business Name or DBA

If you do not have a business name, just write "none"

Address*

Street Address Address Line 2 City State ZIP Code

Email*

Enter Email Confirm Email

Phone Number - including area code*

Do you have a website?

Please write the link her.

Business Structure*

Business Location

We ask this questions because different insurance carriers have different rules regarding the location of your business. It helps us find the right type of policy.

Information to Get Your Quote

How many teams are in the league?*

Are you looking to quote insurance for a team, league, or something else? Please describe below.*

Type of Business #1*

Choose the main sport that you teach here - you can choose more sports below.

Do you need to choose more sports?

Choose YES and we will show you a long list of sports that you can teach.

Check ALL the sports that you teach or train

What are your estimated gross receipts from this part of your business?*

You can estimate. If you are a new business, please write your estimate, because to obtain most quotes, an amount must inputted.

Other Business Type - please describe your operations

What are your estimated gross receipts from this part of your business?

Describe your Business*

Please tell us what services you offer. Use this space if you needed to tell us more information.

What types of insurance are you seeking?

General Liability Insurance

Accident Medical Coverage

Property Insurance (buildings or equipment)

Professional Liability (errors and omissions)

Equipment Insurance (such as tractors, solar panels, windmills)

Workers Comp

Commercial Auto Insurance

Directors and Officers Insurance / EPLI for Non Profits

Specific Items or Property

We make it easy by asking you the only the questions that you need to answer for a quote.

What year did your business start?*

How many employees do you have?*

You can write "none" if you have do not have any.

How many independent contractors do you use?*

You can write "none" if you have do not have any.

What is your annual payroll? ($)

If you have no payroll and only owners, please write none.

Does a single client represent 50% or more of your business?*

Tell us about the customer that provides more than 50% of your business.

What services do you perform for this customer and what are your estimated annual receipts (earnings before expenses) from this customer.

Do you have any prior claims?

Tell us About your Prior Claim

TAX ID or FEIN

To quote workers compensation insurance, we need your Tax ID, FEIN, or Social if you are a sole proprietorship. For general liability, we will need it when you bind the policy.

Chose your Limits of Liability

General Liability

These numbers are written as the per occurrence limit and the aggregate limit.

Professional Liability - Errors and Omissions Insurance

Property Insurance Section

In this section, you can choose how much coverage you want for your equipment, a building, glass, or other items.

Do you own the building?

How much coverage ($) do you want for the building?

Enter an amount in this box. The underwriter will still require that your amount of coverage meet a minimum rebuilding cost per square foot. We will contact you with more information.

How much coverage ($) for your business personal property at your location?*

This includes your furniture, inventory, printers, file cabinets, etc. We'll ask you about computers in the next box.

How much coverage ($) for your business personal property AWAY from the premises?*

Remember that business personal property (BPP) is generally only covered at the address listed on your policy. This is the space where you tell us how much coverage you want quoted for equipment or tools away from the premises you listed above.

How much coverage ($) do you want to Tenant Improvements?

This includes, flooring, painting, wallpapering, and other permanent renovations that you did to you space. Also include permanently mounted equipment here.

How much coverage ($) for computers and laptops?

How much coverage ($) for awnings or canopies?

How much coverage ($) for Signs?

Signs are expensive to replace, so let us know the value or your signed mounted to the building or that's not connected.

What Year was the building that you are in built? (Estimate OK)

Do you want coverage for any specific items? Tell us about them and include the value.

If you know the year, make, and model of your equipment, please provide it. We will contact you for more information, if needed. Example: 1 tractor, 2005 model, $25000 value.

Does your location have any of the following?

Central Station Alarm - one that calls the alarm company of the policy

Local Alarm Only - it does not call the policy or an alarm company

Fire Sprinklers on the interior - covering 100% of the building

Fire Sprinklers on the interior - covering only part of the building

A security guard

Commercial Auto Section

Driver #1 - Provide the name and birthdate of at least 1 driver

Driving Record for Driver #1

Vehicle #1 - Year, make, and model (if you have the VIN, include it)

Vehicle #1 - how much is it worth? (not including permanently attached equipment)

Vehicle #1 - how much coverage do you want for permanently attached equipment

Examples: a dog grooming truck may have a vacuum permanently mounted; a food truck may have cooking equipment mounted to the truck.

Do you need to add more drivers or vehicles?

Yes

Other

Tell us about the other drivers and/or vehicles. Please provide the name, birthdate, and marital status of each driver. Provide the year/make/model and value of each vehicle. If you know the VINs, please provide them.

If there is something special that you want to tell us, please do so here.

Directors and Officers Insurance Section

How many VOLUNTEER board members do you have?

How many PAID board members do you have?

What types of clients do you service?

Carriers have different rules about the types of clients you service, so this helps us with the quoting process.

Athletics Section

Tell us about your business

It is a gym or studio

We are a company that sends out independent contractor instructors

I teach only at gyms, studios, or tracks owned by someone els

I am a personal fitness trainer

I am a sports instructor

We want to insure a sports league

We want to insure a sports team

We want to insure a track, stadium, or course

Please Check All that Apply

We train professional athletes

Olympic training is part of my business

We use independent contractor trainers

We use employee contractor trainers

Our location also provides day care services

Our location also provides massage services

We have a registered dietitian or nutritionist as part of the business

How many students or members do you have ages 0-12?

How many students or members do you have ages 13-15?

How many students or members do you have ages 16-17?

How many students or members do you have ages 18+ (adults)?

Do you offer any of these services?

Massage Services

Tanning Services

Showers or Steam Rooms

Child sitting (while your clients are working out)

The last questions - finish your quote

Do you want to subscribe to our small business newsletter?

Yes, please

No, thank you

We do not send a lot of newsletters, but when we do, they are filled with valuable risk prevention and small business ideas.

The coverage information on this page is provided for general informational purposes only. No specific coverage is afforded or implied through this content. Coverage availability, terms, and pricing vary by carrier, state, and individual risk profile. Please consult a licensed insurance professional to confirm coverage options for your specific situation.