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Getting Liability Insurance for Aquatic Professionals

Playing in the lake or the pool is a big part of summer for many children and adults. Whether you manage aquatic programming at a recreation center, offer swimming or scuba diving lessons, or train lifeguards, you get to work with a lot of people who want to have fun in the water: after all, swimming is the fourth most popular sport/activity in the United States, and there are more than 10 million residential pools and about 309,000 public pools in the country. Most of the time, it’s all fun and games, but with that many people participating in such a popular activity, you can see why liability insurance for aquatic professionals is a must.

Risks of Water-Based Activities

Of course, one major consideration with any sort of water activity is the risk of drowning. Even excellent swimmers can drown if they get caught on something, hit their head, or make a poor decision regarding where they swim and when. Aside from birth defects, unintentional drowning is the leading cause of death for children under the age of four; it is the second leading cause for children under age 14, and the fifth leading cause overall.

But there are other things that can happen in the pool, lake, or hot tub:

  • Near-Drowning: According to the Centers for Disease Control and Prevention, “For every child who dies from drowning, another five receive emergency department care for nonfatal submersion injuries.” Those injuries can lead to permanent brain damage that may include memory issues or the loss of the ability to perform the basic functions of daily life.
  • Chemical Injuries: There are about 3,000-5,000 emergency room visits every year that are related to pool chemical injuries—about half of those injured are under age 18. This may occur because of improper amounts of chemicals in the water or because of an individual’s sensitivity to a particular chemical.
  • Waterborne Illness: Chlorine-tolerant parasites can infect hundreds or even thousands of swimmers.
  • Public Health Concerns: An infected swimmer’s saliva, blood, or urine could get in the water. Birds and other animals may also contaminate the water with feces.
  • Faulty Equipment: Broken or malfunctioning water toys, scuba gear, or other equipment could lead to user injury.

Why You Need Liability Insurance for Aquatic Professionals

Some injuries are the result of user error or a random accident for which no one could be blamed; in other cases, the injured person may file a lawsuit against your business or employees, accusing you of improper supervision or instruction, problems with equipment, an unsafe or unclean environment, and more.

Liability insurance provides peace of mind. Of course, you do all you can to ensure these types of incidents never happen—you thoroughly train your entire staff, you’re prepared for emergency situations, you post pool rules and regulations, you maintain a clean environment, and so on. Still, there’s always the chance something will get overlooked and lead to an accident; if that happens, you owe it to yourself, your employees, and your business to be ready. Liability insurance for aquatic professionals is one way to protect yourselves and ensure you can manage legal bills and more in the event of a lawsuit.

You may choose to add commercial property liability coverage if you own the pool, building, or property, as well as professional, participant, and general liability so you are thoroughly covered for a wide range of potential occurrences. We can work with you to customize your coverage to best suit your unique needs.

How We Can Help

We offer liability insurance to aquatic businesses and individuals of all kinds and in any situation:

  • Aquatic Management
  • Aquatic Programming
  • Aquatic Operations
  • Aquatic Maintenance Crews
  • Aquatic Facility Design
  • Aquatic Recreation Centers
  • Private and Group Swimming Lessons
  • Lifeguards
  • Lifeguard Training
  • Scuba Instructors
  • Scuba Diving Lessons
  • And More

From commercial, property, and equipment liability to professional and individual liability, we’ve got you covered. Ready to learn more and get a quote for yourself or your business? Contact us! You can call 877-585-2853 or email us at info@xinsurance.com today. We’re happy to answer your questions and provide the insurance coverage you need to run your aquatic business.