Lifeguard Insurance

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

You will need lifeguard insurance insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having lifeguard liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, liability insurance may be required.

While some employers may provide insurance coverage for lifeguards, it often lacks coverage, leaving gaps and exclusions that aren’t properly covering lifeguards.

It is best for lifeguards to have their own liability insurance to ensure adequate protection. XINSURANCE can provide a solution that meets their specific needs.

No. On-duty lifeguards have a legal duty to rescue and provide emergency aid to those in need – it’s their job! For this reason, “Good Samaritan” protections do not provide lifeguards legal coverage for mistakes or negligence on the job that leads to injury or death.

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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 important for all lifeguards to protect themselves in case of unforeseen incidents.

When determining the insurance coverage you need on your lifeguard insurance policy, it is important to consider whether or not your employer already provides some coverage. If your employer provides 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, it is recommended to obtain your own lifeguard insurance policy. 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 factors such as coverage limits, deductibles, the type of facility where lifeguards work, and the individual lifeguard’s experience. It is best to contact XINSURANCE and tell us about yourself and your insurance needs so we can provide a personalized quote.