RRMJune 2, 2023 / RRMAdam Beyer

Swim School Insurance: Protecting Your Business and Your Peace of Mind

Swim School InsuranceRunning a swim school can be a fulfilling and rewarding business venture. Whether you’re teaching children the joy of swimming or providing adults with a place to improve their skills, your swim school plays an important role in your community. However, just like any business, it’s crucial to safeguard your swim school from potential risks and liabilities. That’s where swim school insurance comes into play.

Every business is unique and therefore has unique insurance needs, and that includes swim schools. But, with many different insurance options in the marketplace, determining the right insurance coverage for your needs can be challenging. It is essential that you understand the different types of swim school insurance coverage and work with an experienced broker to tailor a policy that will provide you with the right coverage for protection and peace of mind.

Types of Insurance Coverage for Swim Schools:

General Liability Insurance:
  • General liability insurance protects swim schools from legal costs if their negligence causes injury or property damage to a third party.
Sexual Abuse and Molestation Coverage:
  • Sexual Abuse and Molestation coverage is crucial for children’s swim schools. It shields you from the financial strain of lengthy and expensive legal proceedings arising from such cases, ensuring you don’t bear the burden of out-of-pocket expenses.
Workers’ Compensation Insurance:
  • Businesses with staff need workers’ comp insurance. It covers employee medical bills and lost wages if they get injured on the job, protecting you from lawsuits.
Commercial Vehicle Insurance:
  • Commercial vehicle insurance is essential for swim schools that own or operate vehicles. It covers accident-related incidents, collision damages, and non-collision damages.
Commercial Property Insurance:
  • Commercial Property Insurance covers your school’s physical location against losses resulting from theft, damage, or other incidents. This coverage prevents financial loss and can even help in the event of a devastating disaster like a fire.
Inland Marine Coverage:
  • Inland Marine coverage protects commercial goods during transportation, including construction equipment, diagnostic equipment, pool pumps, and filter cartridges.
Umbrella Insurance:
  • Umbrella insurance covers you for more than your other liability insurance. If your primary insurance doesn’t cover the cost of an incident, umbrella insurance will.
Professional Liability Insurance:
  • Professional Liability insurance protects swim schools from legal costs and damages from negligence claims.
Pollution Coverage:
  • Pool chemicals can harm the environment. Pollution coverage protects swim schools from liability and ensures responsible operation.
Cyber Insurance:
  • Cyber Insurance protects businesses from cyberattacks, including data breaches, extortion, theft, hacking, and denial of service attacks. Also, it covers legal costs if a breach leads to litigation.
Employment Liability Insurance:
  • Swim schools need Employment Liability Insurance to protect employees from illnesses and job-related injuries not covered by workers’ comp. It can be bundled with workers’ comp for comprehensive coverage.

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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.

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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