Insurance for the Aquatic Industry
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Insurance for the Aquatic Industry
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Aquatic professionals are in the business of ensuring others are safe and sound in the water. The Centers 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.” There are plenty of risks and challenges that the industry faces. That is why XINSURANCE provides solutions for specialty liability insurance for the aquatic industry, including businesses and individuals.
It is essential that aquatic professionals and businesses work with an insurance partner that has their back. XINSURANCE is committed to protecting lifeguards, volunteers, instructors, businesses, and everyone else in the aquatic industry with customized coverage solutions that provide peace of mind.
INSURANCE FOR AQUATIC BUSINESSES
What is 'Insurance for Aquatic Businesses'?
Insurance for Aquatic Businesses provides liability protection for businesses and organizations in the aquatic industry. We can help a wide range of businesses from manufacturers and suppliers to training organizations and recreation centers. Your business can have a policy with customized coverage that can help protect you in the event of an accident, incident, or lawsuit. If you have an existing policy, XINSURANCE can review it to identify gaps and exclusions that are leaving you exposed and we can then fill those gaps with a Tru Umbrella policy.
Who Needs This Insurance?
We provide customized insurance solutions for businesses in the aquatic industry. Here is a list of some examples:
- Manufacturers, Distributors, and Suppliers in the Aquatic Industry
- Aquatic Operations and Maintenance
- Training Organizations
- Professional Retail Dive Centers
- Aquatic Facility Design
- Travel Providers
- Aquatic Recreation Centers
- Recreational Tours
- Private and Group Swimming Lessons
- Scuba Diving Lessons
- Water Parks
- And more
What Insurance Coverages Are Available for Aquatic Businesses?
We will provide coverage solutions for risks associated with your business, including:
- Commercial general liability
- Commercial auto liability (available in most states)
- Premises liability
- Property coverage
- Professional liability
- Directors and officers (D&O) 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
- Tru Umbrella / Excess
INSURANCE FOR AQUATIC PROFESSIONALS
Who Can Get Aquatic Professionals Insurance?
We provide customized insurance solutions for aquatic professionals. Here is a list of some examples:
- Swim Instructors
- Lifeguards
- Scuba Instructors
- Trainers
- And more
What Insurance Coverages Are Available for Aquatic Professionals?
We will provide coverage solutions for risks associated with your profession, including:
- General liability
- Commercial auto liability (available in most states)
- Professional liability
- Personal liability
- Equipment rental liability
- Watercraft liability
- Communicable disease liability
- Alleged sexual abuse and molestation liability
- Alleged assault and battery liability
- Tru 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.
QUESTIONS TO CONSIDER
QUESTIONS TO CONSIDER
Q. Does your business offer equipment rentals?
A. You could be at fault if someone's equipment piece breaks or malfunctions. It could result in a serious accident and a very costly lawsuit.
Q. Are you familiar with The Model Aquatic Health Code (MAHC)?
A. The MAHC is a set of guidelines published by CDC. This document brings together the latest knowledge based on science and best practices to help state and local government officials develop and update pool codes in order to keep the fun going and reduce injuries and illnesses.
Q. Who is at risk of a lawsuit when an accident occurs?
A. Aquatic center operators, pool operators, aqua techs, instructors, lifeguards, crews, business owners, and others can be at risk of a lawsuit.
Q. What kind of injuries can occur during swimming and other water-related activities?
A. Swimming and other water-related activities can lead to injuries and the spread of disease, including drowning, chemical injuries, and waterborne illness outbreaks.
RISKS OF WATER-BASED ACTIVITIES
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.
KNOW THE FACTS
People in the United States swim more than 300 million times in pools and other swimming areas each year.
Almost 1/3 of local health departments do not regulate, inspect, or license public pools, hot tubs, and water playgrounds at all.
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