Swim School Insurance Coverage Checklist
The coverages a swim school business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for swim schools. Priorities reflect typical exposure; confirm against home-pool lessons and rented pools.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General & Professional Liability | Covers drowning and injury claims — confirm lessons at home and rented pools are included. | Core | |
| Abuse & Molestation | Covers abuse allegations involving minors — frequently excluded or sublimited; confirm the limit. | Core | |
| Umbrella / Excess Liability | Adds limits for a child's death or catastrophic injury. | Prevalent | |
| Commercial Property | Covers the pool facility and equipment. | Situational | |
| Workers' Compensation | Required in most states for employees. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is drowning severity. Drowning is the leading cause of death for young children, and one death can exceed primary limits — while lessons at clients' home pools or rented pools may fall outside the policy. Schools should post a dedicated lifeguard who isn't teaching, set strict ratios, carry umbrella limits, and confirm every lesson location is covered.
Send us the checklist and we'll review your swim school coverage line by line, then market it across multiple carriers that compete for your account.
Related: Swim School Insurance · Swim School Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a swim school business need?
The core coverages for a swim school business are General & Professional Liability, Abuse & Molestation, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my swim school coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.