Liability Insurance while working as a private swim instructor/coach
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Liability Insurance while working as a private swim instructor/coach
As a private swim instructor traveling to teach in various public and private
swimming pools, is it necessary I carry my own liability insurance? Is this
mandated by the State, County, City where each pool is located?
Asked on July 10, 2017 under Business Law, California
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 7 years ago | Contributor
Get your own insurance; do not teach swimming without it. Federal or state law does not require insurance; it is possible individual counties or cities might, and certainly, any given pool has the right to require anyone teaching there to insurance. Therefore, you are not globally or always required to have insurance, but might be required to do so in individual cases. However, even when you legally could teach without insurance, you should not. The pool's insurnace does NOT cover you; it covers only the pool, which is the insured and the one buying/paying for it. They buy insurance to protect themselves, not other people. If you are personally sued, therefore, you need your own insurance or else you will be paying out of pocket--and if a child is injured, the judgment against you (amount you could be required to pay) could be very, very large.
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