Specialist swimming insurance for swimmers, swim teachers, and teams
Whether you’re competing yourself or running classes as a swim teacher, swimming is not without its risks. Like many other sports, there’s the possibility that you may suffer an injury or injure somebody else. Of course, with swimming sports in particular, there are the additional risks posed by being in and around water.
Specialist swimming insurance can provide reassurance that you'd be protected in the event of an accident. Swimming insurance through Insure4Sport also includes the option of Worldwide cover if you swim or teach abroad.
Are you an open-water swimmer? Find out more about open-water swimming insurance on our dedicated page.
Why choose Insure4Sport for swimming insurance?
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FREE Multi-Sports Cover
Insure4sport arranges multi-sport cover for over 400 sports & activities.
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FREE £250 Equipment Cover
Get cover for theft, loss or accidental damage of your equipment when purchasing a policy.
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Rated 'Excellent' on Trustpilot
Rated Excellent on Trustpilot and insurance provided by Aviva.
Types of swimming insurance
There are four different types of swimming insurance policies available through Insure4Sport:
Swimmer insurance: Swimmer insurance is best suited to individual swimmers and can include Public Liability and Personal Accident cover.
Swim instructor insurance: This may be the most suitable option for you if you teach swimming classes. However, you are required to have the relevant qualification for the level you are coaching from the appropriate governing body. Swimming instructor insurance through Insure4Sport includes the same cover offered in a standard swimmer insurance policy, but with the addition of Employers’ Liability and Professional Indemnity cover.
Swim team insurance: If you are part of a swim team, swim team insurance provides every team member the same cover as an individual swimmer insurance policy.
What does swimming insurance cover?
Individual swimmer insurance (including teams)
- Public Liability – up to £10m for accidental bodily injury to a third party and accidental damage to third-party property
- Personal Accident – covers accidental injury or death, dental treatment, and more following an accident as a result of swimming
- Theft, loss and damage to swimming equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Loss of Earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Worldwide cover
- Any claims not arising from your participation in swimming
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of swimming)
- Loss or theft of any swimming equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for swimming equipment where you cannot provide evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents page.
Swim instructor insurance
- Professional indemnity – up to £5m
- Public liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Employers’ Liability
- Personal accident – covers accidental injury or death, dental treatment, and more following an accident as a result of swimming
- Theft, loss and damage to swimming equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Worldwide cover
- Any claims not arising from your participation in swimming
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of swimming)
- Loss or theft of any swimming equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for swimming equipment where you cannot provide evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents page.
What types of swimming can I get cover for?
Through Insure4Sport, swimming insurance can cover you for several different types of swimming, such as:
FREE multi-sports cover
Take part in more than one sport? You could benefit from FREE multi-sports cover.
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Swim schools are legally required to have Employers' Liability insurance as a minimum if they employ swim teachers and instructors to teach their students.
If you own a swim school, you can protect it with sports club insurance. Find out more about sports club insurance, including Buildings and Contents insurance, on our dedicated page.
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It's not a legal requirement for swim teachers to have insurance unless you run a teaching business and employ staff. In this case, you would be legally required to have Employers' Liability insurance as a minimum.
However, even if you don't employ staff, you may still want to consider getting insurance as a swim instructor to help protect you and your equipment in the event of an accident or theft.
Looking to insure your sports club?
Find out more about how you can financially protect your club through sports club insurance, including building and contents insurance.
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