Lifeguard Liability Insurance

Lifeguards need liability insurance to protect themselves from potential legal claims and financial liabilities that may arise from accidents, injuries, or incidents while on duty. It helps provide financial protection and peace of mind.

Lifeguards have the training to handle various emergencies but can’t plan or prepare for every danger. Insurance steps in to fill the gaps. It frees you to do your job more confidently with less stress about how each action could impact your finances and future. This insurance helps individuals who are lifeguards or the businesses that hire them. Some areas may even require you to hold liability insurance.

Employer insurance typically covers lifeguards, but while some employers may provide coverage for lifeguards, it often lacks sufficient protection. The insurance has gaps and exclusions, leaving lifeguards exposed.

Lifeguards benefit from having their own liability insurance to ensure adequate protection. XINSURANCE can identify a solution that meets their specific needs. We look for gaps in employer coverage, creating broader protection for events and situations not covered.

No. Good Samaritan laws only protect those who voluntarily provide aid to those in need from liability for harm caused when acting in an emergency. On-duty lifeguards have a professional and legal duty to rescue and provide emergency aid to those in need — it’s their job! Their duty means that good Samaritan laws don’t apply in most cases, so they may be liable for mistakes or negligence resulting in injury or death. They have a higher standard of care to adhere to than the average passerby.

One exception might be an off-duty lifeguard who steps in to offer aid outside of their professional responsibility. While good Samaritan protection may apply to lifeguards, they shouldn’t rely on it. Also, any hypothetical scenario may not apply to a real-life case.

You still have insurance options, even after an insurance company has dropped you or declined to offer coverage. These situations often occur due to factors deemed high-risk. At XINSURANCE, we specialize in finding coverage solutions for complex situations, even for those who have faced past declines, cancellations, or nonrenewal from insurance companies.

Yes, both full-time and part-time lifeguards should have liability insurance. Regardless of the hours worked, lifeguards are exposed to risks and potential liabilities while on duty. Having insurance coverage is vital for all lifeguards to protect themselves in case of unforeseen incidents.

At a minimum, this coverage should include personal and general liability insurance. At XINSURANCE, we can work with you to find coverage solutions that fit your unique situation, including a position as a part-time lifeguard.

In general, a lifeguard insurance policy may include general and professional liability, property coverage, alleged sexual abuse and molestation, alleged assault and battery, personal liability, and communicable disease coverage.

When determining the insurance coverage you need on your lifeguard insurance policy, consider whether or not your employer already provides some coverage. If your employer offers insurance, you should review their policy to understand the extent of coverage it offers. In this case, you can consider filling any potential gaps in coverage with your own policy to ensure you have adequate protection.

If your employer does not provide insurance or if the coverage they offer is insufficient, obtaining your own lifeguard insurance policy is recommended. The coverage you should include in your policy depends on several factors, such as the specific risks associated with your lifeguard duties, the type of facility you work in, and any additional liabilities you may encounter. XINSURANCE can offer insurance solutions that provide all the coverage you need under one policy.

The cost of lifeguard liability insurance varies depending on coverage limits, deductibles, the type of facility where lifeguards work, the individual lifeguard’s experience, and claims history. The cost may also vary depending on the particular coverages included in your plan.

When considering lifeguard liability insurance, look beyond the cost to avoid the pitfalls of cheap coverage so you’re covered when it matters most. We can help! Tell us about yourself and your insurance needs so we can provide a personalized quote.