Swim Schools

With hundreds of thousands of students participating in swim schools every year, insurance is must. The range of insurance possibly needed can often be confusing and a strenuous process. That is why Reliable Risk Management is here to help you find out exactly insurance your swim school could potentially need. With a vast on knowledge of the industry and a focus on preventive risk management, we can help to design what exactly insurance policy you may need.

Possible insurances for your business

General Liability

This type of coverage is meant to cover a broad spectrum such as negligence that leads to third party injuries or property damage. This would be something akin to a slipping accident or a potential drowning. This would cover expenses associated with such an incident, regardless of the outcome of your case.

Sexual Abuse and Molestation Coverage

This coverage may be specific but plays a major role in any swim school, especially children’s swim schools. Often a Sexual Abuse or Molestation case results in a he-said-she-said scenario. This can lead to a lengthy and costly process of legal proceedings. This coverage can help to prevent out of pocket costs. You can learn more about Sexual Abuse and Molestation Coverage here.

Workers Compensation Insurance

If you have workers being paid, chances are you will need some form of workers compensation insurance. This coverage helps to ensure that your company is safe from litigation, by covering a worker’s medical fees and lost wages in case of a potential work-related injury (slipping, crushing, chemical burn).

Commercial Vehicle Insurance

This insurance coverage protects any vehicles you may use, such as a group transportation van or company vehicle. These vehicles should be insured for both accident related incidents as well as collision and non-collision damages.

Commercial Property Insurance

A swim school obviously must have pool and physical location, this location in turn is protected by commercial property coverage. This insurance protects against a vast range of physical losses from your computers and pool pumps to fences and filters. This type of insurance can be key in preventing a total loss from fires, theft, wind, and falling objects.

Inland Marine

Commercial goods in transit or in the process of being transported are all covered by Inland marine insurance. This can be any goods from construction equipment and diagnostic equipment to pool pumps and filter cartridges.

Umbrella Insurance

This style of insurance helps to protect your assets when all else fails. If you insurance pays to its maximum amount on something like commercial property insurance, commercial auto insurance, or general liability insurance and there is still outstanding debt, your umbrella coverage comes in to cover you, ensuring you are always protected from a crippling loss.


This is a form of insurance that protects you and your business from litigation derived from accused negligence by a client and potential damages awarded in a civil lawsuit. An example of this would be a client suing for the negligent teaching from a swim instructor leading to an accident. This could also include defenses costs when legal actions prove to be groundless.


When caring for a pool, you are going to use several chemicals considered hazardous to the environment. If a spill were to occur this could potentially cause an environmental danger. This insurance protects against potential environmental hazards as well as liability to injury or death caused by such environmental hazards. This insurance also covers brownfield restoration and cleanup.

Cyber Insurance

This insurance protects against potential breaches of cyberspace such as data destruction, extortion, theft, hacking and denial of service attacks. As a swim school you potentially carry sensitive information such as phone numbers, emails, and home addresses. A breach of these data types potentially can lead to litigation and your cyber coverage being utilized.

Employment Liability Insurance

Swim schools employ a range of employees from lifeguards to instructors. The employees are the backbone of any business and employer’s liability insurance protects your employees if they are affected by an illness or job-related injury not covered by workers compensation. It is often bundled with your workers compensation insurance to provide the best coverage.

Our Experience

Reliable Risk Management understands that owning a swim school can be a stressful and difficult job, but we are here to help. We have helped many of our successful partners to maintain the best coverage for their swim school. With relationships with top rated insurance carriers in the industry, we can ensure that you get the best possible coverage you need for your scenario. Call an agent and review your policy today!