Lifeguard Insurance

Specialty insurance solutions tailored to your unique needs.
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Lifeguard liability insurance: the unseen lifesaver behind every rescue.

Take the plunge and enjoy your lifeguarding career, knowing our insurance solutions have your back every step of the way.

What is Lifeguard Insurance?

As a lifeguard, having lifeguard liability insurance is essential to protect yourself from potential legal risks and liabilities that may arise while on duty. Lifeguard liability insurance provide coverage for incidents or accidents that may occur during your vigilant watch over swimmers, ensuring you have the necessary support and protection. It’s crucial not to settle for cheap insurance that may come with hidden limitations and exclusions, leaving you vulnerable and unprotected when you need it the most. Opting for quality insurance, such as the solutions offered by XINSURANCE, provides you with tailored coverage that is designed to meet your unique needs as a lifeguard. By choosing our reliable and trustworthy insurance coverage solutions, you can focus on your primary duty of safeguarding lives with the assurance that you are adequately protected in any unexpected legal situations that may arise.

Types of Lifeguards We Can Help

  • Beach Lifeguards
  • Pool Lifeguards
  • Water Park Lifeguards
  • Open Water Lifeguards
  • Aquatic Facility Lifeguards
  • Scuba Diving Lifeguards
  • Swiftwater Lifeguards
  • And More!
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Lifeguard Insurance Coverage Options

Professional Liability

Also known as errors and omissions insurance (E&O), this provides coverage for claims of professional negligence, errors, or mistakes made while performing lifeguard duties. Learn more.

General Liability

Provides coverage for injuries and property damage sustained by third parties.

Property Coverage

If lifeguards are responsible for managing or maintaining property or equipment, this can cover weather-related risks, vandalism, theft, and more. Learn more.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own such as a lifeguard dog. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Lifeguard Insurance

Why do lifeguards need liability 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.

Are lifeguards covered by their employer's insurance?

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.

Are lifeguards under ``Good Samaritan`` protection?

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.

Can I be insured if I've been dropped or rejected by an insurance company?

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.

Do part-time lifeguards need liability insurance?

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.

What coverage do I need on my lifeguard insurance policy?

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.

How much does lifeguard liability insurance cost?

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.

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Lifeguard Liability Insurance

Your job is to rescue and supervise all swimmers and guests in your area but what if an accident occurs? Who is going to rescue you if you’re sued for negligent activity?

XINSURANCE offers lifeguard liability insurance solutions for all types of lifeguards!

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service