Swimming & Aquatic Club Insurance

Specialist insurance for swimming, diving, water polo & aquatic clubs across the UK

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We compare quotes from leading UK insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Specialist Insurance for Swimming & Aquatic Clubs

Swimming and aquatic clubs face some of the highest liability exposures of any sport. Whether you run a competitive swimming club, diving club, water polo team, open-water swimming group, or junior learn-to-swim programme, the risks associated with water-based activities are significant.

Insure24 provides specialist Swimming & Aquatic Club Insurance designed to protect clubs, committee members, coaches, volunteers, swimmers and spectators against the financial consequences of accidents, injuries, property damage and regulatory claims.

What Does Swimming & Aquatic Club Insurance Cover?

Public Liability Insurance

Public Liability Insurance is essential for swimming and aquatic clubs and protects against claims from third parties who suffer injury or property damage arising from club activities.

  • Swimmer injuries during training or competitions
  • Spectator injuries at galas or events
  • Slips, trips and falls around poolside areas
  • Accidents involving visiting teams
  • Open-water swimming activities (where declared)

Employers’ Liability (Legal Requirement)

If your swimming club employs anyone, Employers’ Liability Insurance is a legal requirement in the UK.

  • Coaches and instructors
  • Lifeguards
  • Poolside staff and administrators
  • Volunteer injury claims (where applicable)

Coaching & Professional Indemnity

Aquatic clubs offering structured coaching, lessons or instruction should consider Professional Indemnity Insurance.

  • Allegations of negligent instruction
  • Failure of duty of care
  • Incorrect training advice
  • Safeguarding-related claims

Personal Accident & Injury Cover

Personal Accident Insurance provides financial support if swimmers, coaches or volunteers are injured during insured activities.

  • Accidental death benefits
  • Permanent or temporary disablement
  • Loss of earnings
  • Medical expenses
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Additional Risks for Swimming & Aquatic Clubs

Use of Third-Party Pools

Many swimming clubs hire council or leisure-centre pools. Insurance can be arranged to meet venue contractual requirements.

  • Pool hire agreements
  • Shared liability responsibilities
  • Evidence of cover for facility owners

Events, Galas & Competitions

  • Swimming galas and meets
  • Water polo tournaments
  • Open-water events
  • Temporary spectators and officials

FREQUENTLY ASKED QUESTIONS

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+- Do swimming clubs need insurance?

Yes. Swimming clubs face high liability risks and most venues, governing bodies and councils require evidence of public liability insurance.

+- Is insurance required for open-water swimming?

Yes. Open-water swimming carries additional risk and must be specifically declared to insurers to ensure cover applies.

+- Are coaches and lifeguards covered?

Yes. Employers’ Liability and Professional Indemnity policies can cover coaches, instructors and lifeguards.

+- Does insurance cover junior swimmers?

Yes. Policies can include junior members, learn-to-swim programmes and safeguarding-related risks.

+- Can insurance cover swimming galas and events?

Yes. Events, galas and competitions can be included or insured separately depending on scale and risk.

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