At Swim England’s Teaching and Education conference our Membership team were there answering your questions. Here are the answers to some of the most popular questions from the day:
Employers, such as Leisure Operators or Swim Schools should have insurance in place which includes employer’s liability and public liability; so if a claim is made against your employer’s insurance it should cover you.
However, a claim may also be made directly against you as an individual. This is where you need professional indemnity insurance cover.
It may be that as a teacher or coach you are found to be at fault rather than the facility, For example; Teaching or coaching out of their jurisdiction, not as instructed, or above qualification level, then the insurers would look to the teacher or coach for a claim under their insurance.
We would recommend you always check what your employer’s insurance covers.
If you do not have appropriate insurance in place then you will be liable for the full costs of any claims made against you.
They both cover negligence claims made against you or your business. However, it is the type of negligence that makes the difference. It dictates which of the two policies kick in (both are included as part of Institute of Swimming Membership). Here’s an explanation of each:
We would recommend you have both public liability and professional indemnity insurance, particularly if you are a contractor or freelancer working with different clients regularly.
Institute of Swimming membership insurance provides individual cover. This covers you as a teacher or a coach. It is not business insurance.
Your insurance cover is valid providing you have the approved qualifications in place from an accredited training provider.
We recommend you have a lifeguard qualification; If the pool operator lifeguard is absent at the time that an incident occurs in your lesson or coaching session, then your insurance is invalid if you do not have a relevant lifesaving qualification.
Please check out the RLSS site for National Pool Lifeguard approved qualifications.
If you operate under a business name (rather than your name), and/or employ any staff or volunteers to help you, you will need additional business insurance.
If you are a Swim England Swim School you can get a discounted rate. Find out more about Swim England Swim School Membership.
All members receive a certificate of insurance and a membership card every year in the post as well as pay an annual fee. Institute of Swimming membership is different from having an account on our website so please check you are covered if you are not sure by contacting us at:
Tel: 01509 640746 weekdays 9 am to 5 pm.