Insurance for Aquatic Professionals

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Insurance for Aquatic Professionals



Aquatic professionals are in the business of ensuring others are safe and sound in the water. Meanwhile, we provide liability insurance for aquatic professionals to ensure they’re safe from litigation. The Center for Disease Control and Prevention (CDC) puts it this way: “From aquatic facility designers to lifeguards, aquatic professionals are the first line of defense against illness and injury at public aquatic venues.” We provide solutions for specialty liability insurance for aquatic professionals – commercial and individual liability coverage – for all things aquatic.

Unfortunately, injuries are many, when you consider the first half of 2018 alone. The USA Swimming Foundation reports nearly 90 children younger than 15 drowned in a pool or spa from January through May 2018, and every year, about 19 children drown during the July 4 holiday. Add injuries and accidents in the ever-popular water parks throughout the U.S., and danger lurks around virtually every pool and water-related venue. For that reason, it is essential that aquatic professionals partner with an insurance company that has their back. XINSURANCE is committed to protecting lifeguards, volunteers, kayak, swimming, sailing and surfing instructors and educators in institutions and universities.

insurance for aquatic professionals, scuba diving insurance
insurance for aquatic professionals, scuba diving insurance


Who Can Get Aquatic Professionals Insurance?

We provide customized insurance solutions for both businesses and individuals. Here is a list of some examples:

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

What Can Insurance for Aquatic Professionals Cover?

We will provide coverage solutions for risks associated with your business or your profession, including:

  • Commercial general liability
  • Commercial auto liability (available in most states)
  • Premises liability
  • Property coverage
  • Professional liability
  • Directors and officers (D&O) liability
  • Individual/Personal liability
  • Equipment rental liability
  • Watercraft liability
  • Employment practices liability (EPLI)
  • Special events liability
  • Communicable disease liability
  • Alleged sexual abuse and molestation liability
  • Alleged assault and battery liability
  • Active Shooter liability
  • True Umbrella / Excess

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 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.




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:

  • Non-Fatal 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.


Insurance for Aquatic Professionals

People in the United States swim more than 300 million times in pools and other swimming areas each year.

Insurance for Aquatic Professionals

Injuries linked to pool chemicals accounted for almost 5,000 emergency department visits each year.

Insurance for Aquatic Professionals

Almost 1/3 of local health departments do not regulate, inspect, or license public pools, hot tubs, and water playgrounds at all.


XINSURANCE is a proud member of the Diving Equipment & Marketing Association (DEMA).

XINSURANCE is a preferred vendor for The Association of Aquatic Professionals.

Diving Equipment & Marketing Association DEMA logo
association of aquatic professionals

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