Commercial Coverage

AquaTots Swim School Insurance

Increasing coverage by millions while saving customers between 15% and 25%.

Swim School Coverage

Just as every business is different, so is every insurance policy. Determining the right policy with adequate coverage can be quite difficult but we are here to help. We have extensive industry knowledge and longstanding relationships with carriers that we can leverage on your behalf to ensure your coverage is tailored to your needs and capable of providing the coverage you want.

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Possible insurances for your business

General Liability

General Liability is one of the most important aspects of an insurance policy for a swim school. This coverage protects you in the event that it is determined your negligence has led to a third-party injury or property damage. This protection will pay for expenses related to an incident, regardless of your case outcome.

Sexual Abuse and Molestation Coverage

This coverage is very important for any swim school but is particularly important for children’s swim schools. If legal proceedings for sexual abuse or molestation take place, they are often lengthy and very costly. Sexual Abuse and Molestation coverage protects you from having to pay out-of-pocket costs.

Workers' Compensation Insurance

Any business that has paid staff should have some form of workers’ compensation insurance coverage. In the unfortunate event that an employee is injured while on the job, this coverage protects you from litigation by paying the worker’s medical fees and lost wages.

Commercial Vehicle Insurance

Any vehicles, including everything from a company vehicle to group transportation vans, that are owned and used by your business need commercial vehicle insurance coverage. Proper coverage should include insurance for accident-related incidents, collision damages, and non-collision damages.

Commercial Property Insurance

Commercial Property Insurance covers your physical location including your pool(s). It provides protection from any physical losses you may experience from theft, damage, or other incidents. This prevents financial loss and even total loss in the event of something such as a fire or other devastating disaster.


Inland Marine

Inland Marine coverage is something you may be less familiar with but is useful in protecting any commercial goods in transit or in the process of being transported. Examples of Inland Marine coverage include goods such as construction equipment, diagnostic equipment, pool pumps, filter cartridges, etc.

Umbrella Insurance

Umbrella Insurance is supplemental coverage that provides protection beyond your other liability coverage. If an incident occurs and you use the maximum amount of your primary liability coverage (such as commercial property insurance or general liability insurance), Umbrella Insurance covers outstanding debt related to the incident so that you are protected from devastating loss.


If you are accused of negligence and sued by a client, Professional insurance coverage protects you from losses related to litigation including damages awarded and defense costs.


All swim schools must use chemicals to care for their pools but several of the chemicals are considered to be hazardous to the environment. Pollution coverage protects you from liability for injury or death in the event that there is a spill that potentially causes environmental danger. Additionally, this insurance coverage provides for brownfield restoration and cleanup.

Cyber Insurance

Every business has a website and therefore needs Cyber Insurance for protection in the event of cyberspace beaches including data destruction, extortion, theft, hacking, denial of service, and more. If a breach occurs that leads to litigation, your cyber insurance coverage will protect you against financial losses related to litigation.

Employment Liability Insurance

Swim schools tend to have many employees that perform various roles and because of this, every swim school needs Employment Liability Insurance. This coverage benefits both you are your staff because it protects employees that are impacted by an illness or job-related injury that is not covered by workers’ compensation insurance. This coverage may be bundled with your workers’ compensation insurance.

Our Experience

Swim schools take on the important task of teaching people how to swim – one of the most important survival skills to learn. At RRM, we know that operating a swim school is complex and at times, stressful. That is why we are committed to helping you find the right insurance coverage that provides peace of mind that you have the protection you need. We are proud to have great relationships with the industry’s top-rated insurance carriers and this enables us to secure the coverage you need at the best possible rates.

Our Solutions

With modern day solutions to everyday problems, we offer:

Proof Of Insurance

24/7 digital proofs of insurance through our online portal. `

Risk Management Materials

We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.

Apply Online

Online quick apply small contract bonds for up to $400,000

Great Support

Unwavering employees, dedicated to helping you find a unique solution to your problem.

Our Beliefs

Our Beliefs

We believe while 21st digital solutions make workplaces efficient and quick paced; but some projects require a human interaction that cannot be replaced by a digital portal. We pride ourselves on our staunch dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe your more than just another number in our book, you’re a business partner, one we know we can keep for life.


Our Team Strives to Improve Our Processes and Services Every Day

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Contact Us for more information from one of our team members or to get a free quote now.

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When we started our business we had no idea the covereage we needed. The team at RRM helped us find the right coverage and continue to provide excellent support. We love working with them and recommend them to everyone!

Scott Cain Rhino Scooters

When all was said and done it was clear that Jerry and RRM was the right choice for us. I’m grateful to have an agent that is in my corner and is always there to answer questions and solve problems.  I have and will refer friends and family to Jerry and RRM Insurance Services, they get my highest recommendation.

-Anthony N.

I am a small commercial contractor and they have helped us walk through the bonding processes. They have been very respectful, welling to answer all of our questions, and provided great advice. The best part is that we have been able to do several public projects that require a bid bond and then a performance bond. They are really responsive and provide great service. I have no concerns giving them 5 stars and recommending them.

Rusty Riggs

It’s always a pleasure contacting Jerry Morris with RRM Insurance Services. For any insurance need we have, Jerry has always taken care of it swiftly and effectively. He has always provided sound advice and ensures to get us the best value and savings possible!

Vivian Solorio, CFO