RRMJune 26, 2023 / RRMAdam Beyer

3 Common Swim School Insurance Claims: Why Tailored Coverage Matters

Swim schools teach children and adults the joy of swimming while also providing valuable education about water safety. But, in order to teach swim lessons, swim schools incur potential risks and liabilities that cannot be ignored. From accidents and injuries to property damage, unforeseen events can have a major impact on your swim school’s operationally and financially. That’s why having comprehensive insurance coverage tailored to the unique needs of swim schools is essential. Often, swim schools do not have a full understanding of what their true commercial insurance needs are. Below, we explore three common insurance claims faced by swim schools to help give a better picture of the scope of swim school insurance needs.

3 Common Swim School Insurance Claims

Slip and Fall Accidents

Swimming pools and their surrounding areas tend to be wet and occasionally slippery. Unfortunately, even when all precautions have been taken, accidents happen, and when they do it could lead to a slip and fall claim. Swim schools need insurance to cover slip and fall claims, as well as other potential risks, such as diving accidents or faulty equipment. An experienced broker can help you tailor a policy to ensure you have the necessary protection to safeguard your swim school from unexpected financial burdens.

Swim Instruction Liability

The main purpose of swim schools is to provide valuable instruction and coaching to swimming students of all ages and skill levels. Even the most diligent of swim schools that have taken every precaution to have a safe learning environment, accidents or injuries can occur during swim lessons. A variety of things could happen, such as: a student colliding with another swimmer, overexertion leading to muscle strain, or even a medical emergency in the pool. If this were to happen, it could result in a swim instruction liability claim.


Swim schools need professional liability insurance, also known as errors and omissions insurance to help protect against claims alleging negligence, inadequate supervision, or improper teaching techniques. It’s essential to work with an experienced insurance broker who understands the unique risks faced by swim schools and can tailor your policy to include coverage for swim instruction liabilities. 

Property Damage

Swim school properties generally have pool equipment, changing facilities, instructional materials, and office supplies and this property needs to be adequately covered. Unfortunately, accidents such as fires, floods, or vandalism could happen and damage property. Without the right insurance coverage, these incidents could have a severe impact on your swim school’s operations and financial stability. Swim schools need property insurance that not only covers physical damage to your property but also includes business interruption coverage. Working with a broker allows you to customize your coverage to ensure your swim school’s unique needs are addressed.


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