Why do I need swimming insurance?
Whether you’re teaching at a swimming pool or swimming yourself, a stroke of bad luck can cause unexpected accidents. A slippery poolside can lead to you hurting yourself or someone else, or damaging third party property. Plus, your equipment could easily be lost, stolen or damaged.
Insure4Sport’s tailored swimming insurance gives you the protection you need from unexpected accidents, so you can stay immersed in the sport you love.
What does swimming insurance cover?
Public Liability cover against injury or property damage:
If you teach swimming, you could be seriously out of your depth if an injured student makes a compensation claim against you. They could either slip over and hurt themselves or tear a muscle during a training session, holding you responsible.
That’s why Insure4Sport offers Public Liability as part of our swimming insurance. It will protect your legal accountability if any claim was made against you for a third party injury, or for damage to someone’s property.
- Our tailored Public Liability starts at £1 million of cover.
- You also get £1 million Professional Indemnity cover free when you take out Insure4Sport’s Public Liability, protecting you against claims arising from instructions you’ve given.
Personal Accident cover if you require treatment:
As you’ll know, swimming comes with its fair share of injuries. Before you even get in the water, you’re also at risk of slipping and injuring yourself.
Any such accident could see you admitted to hospital or needing physiotherapy for your injuries, which could prove expensive.
Insure4Sport’s Personal Accident cover makes sure that if this happens, any financial pain is kept to a minimum.
- Insure4Sport provides up to £50,000 Personal Accident cover for both participants and instructors.
- With Personal Accident, you can also add Loss of Earnings cover for both participants and instructors.
Compensation for equipment repairs and replacements:
Swimming is one of the least equipment-reliant sports, but if you’re an instructor, you only need to leave your buoyancy aids or armbands unattended to turn your next event into a wash out.
Insure4Sport’s Equipment cover makes sure that if your equipment is lost, damaged or stolen, it will be swiftly repaired or replaced. What’s more, we offer free cover on the first £250 worth of equipment. This means for example, if you wish to insure £750 of equipment, you will only pay for £500 worth.
- Participants and instructors can cover their swimming equipment against loss, theft or damage.
- If the item is less than one year old - and it was bought new - we’ll replace it New-for-Old. We’ll make repairs or organise replacements up to the figure stated in your Insurance Schedule.
Why choose our swimming insurance?
Insure4Sport’s swimming insurance makes sure you’re well protected wherever you swim. You can create and buy your ideal policy online and be confident that you’re paying the right price thanks to our Lowest Price Guarantee. Get an instant online quote here to get started, and dive into your next swim session knowing that everything is taken care of.
Public Liability Insurance covers you for third party injury or damage to property.
Professional Indemnity Insurance protects you from legal action following advice given.
Provides financial support should you receive an injury whilst carrying out the activity which you are insured and you are unable to work. The maximum benefit period for this cover is 52 weeks. There is an excess of 14 days on this section.
Personal Accident Insurance (sometimes referred to as Sports Accident Insurance) ensures that should an accident occur whilst carrying out the activities for which you are insured you will be entitled to compensation.
insure4sport provides a benefit for Accidental Death, Permanent Disablement, Loss of Limbs and Sight up to £50,000. Plus there is cover in place should you require Physiotherapy or Emergency Dental Treatment. We will also financially compensate you should you require a hospital stay or break a bone.
Provides protection against loss of, theft or damage to your valuable sports equipment should the unthinkable happen. Cover for items less than a year old is on a new for old basis. A Single Article Limit of £2,500 and a £50 excess applies to all claims. Sports equipment excludes bicycles and bicycle accessories. This cover is however available through our bespoke bicycle product “Cycleplan”. Please visit www.cycleplan.co.uk for further information.
Employers Liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site. If you are a business or employee people this is a legal requirement.
If you employee volunteers you should still select the option but leave the wage roll values clear.
Participant to Participant Liability provides cover if one of your participants/players injures another participant/player during a sport where tackles, scrums, mauls, or throws are permitted (e.g. football or MMA). If you’re a coach or instructor, and you are deemed liable, then you will be protected.
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