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liability insurance for aquatic professionals

Specialty Liability Insurance and Aquatic Professionals: A Partnership Approach

Liability Insurance for Aquatic Professionals

Yesterday, it was just good old-fashioned swimming at municipal pools and surfing at city beaches. Today, innovative waterparks and watersports are making a big splash in the U.S. According to Hotel & Leisure Advisors, “As of February 2017, the U.S. has over 1,058 waterparks, an increase of 29 waterparks over last year’s reported 1,029.” Add sup (stand-up) surfing, aqua aerobics, aqua swimming, kitesurfing, and windsurfing, and the business of aquatics has taken on a whole new life.

However, with these new water adventures comes increased risk, and a greater demand for even more aquatic professionals to keep a laser-sharp eye on guests at pools, beaches, and waterparks. Thanks to organizations like the Association of Aquatic Professionals, aquatic professionals have a partner in all aspects of aquatics, including education, safety, and advocacy.

XINSURANCE is also proud to partner with these brave men and women who keep everyone safe in the water — including lifeguards, volunteers, kayak, swimming, sailing and surfing instructors and educators in institutions and universities. XINSURANCE offers specialty liability insurance solutions geared specifically toward these professionals.

Why specialty liability insurance for aquatic professionals? While there may be waivers and releases in place, specialty liability coverage helps protect against costly litigation in the event of an accident on the job. XINSURANCE provides coverage solutions for ever-changing risks and liability issues, including open water, in-pool and classroom instruction, lifeguard classes and private swim lessons, equipment rental, and watercraft liability.

As your partner, XINSURANCE covers gaps in traditional insurance coverage, minimizing exposure and maximizing peace of mind. This is a significant point of difference because the last thing an aquatic professional wants is to have an incident and find out it’s excluded from their policy.


XINSURANCE is powered by Evolution Insurance Brokers, an insurance brokerage. The XINSURANCE team has over 40 years of experience, with the knowledge, flexibility, and experience to offer customized coverage and solutions, with direct access to underwriting, risk management, and in-house claims services.

What’s more, XINSURANCE has an in-house legal team that negotiates equitable and quick resolutions, with access to a nationwide network of defense attorneys, adjusters, and investigators. XINSURANCE will defend you in the event you are named in an incident, claim or lawsuit.

Fact is, aquatic professionals can be sunk without a solid liability policy and true partner behind them. To learn more about XINSURANCE, contact us.

To learn more or to get a quote, please go to our website.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.