Swimming Pool & Water-Related Risks Insurance

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Specialist insurance for swimming pools, aquatic facilities & water-based activities

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We arrange cover with specialist UK leisure & aquatic insurers

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

INSURANCE FOR SWIMMING POOLS & WATER-BASED FACILITIES

Swimming pools and water-based activities present some of the highest-risk exposures within sports and leisure facilities. Specialist insurance is essential to protect against injury claims, equipment failure, hygiene risks and regulatory scrutiny.

What Does Swimming Pool Insurance Cover?


  • Public & participant liability for water-related injuries
  • Swimming pool & aquatic facility liability
  • Lifeguard & instructor liability
  • Pool plant, filtration & heating equipment
  • Water contamination & hygiene incidents
  • Business interruption following pool closure
  • Professional indemnity for swim schools

Common Swimming Pool & Water-Related Risks


  • Drowning or near-drowning incidents
  • Slip, trip & fall accidents in wet areas
  • Chemical handling & water treatment failures
  • Equipment or filtration system breakdown
  • Inadequate supervision or lifeguarding claims
  • Closure by environmental health authorities

Who Needs Swimming Pool Insurance?

This cover is essential for leisure centres, aquatic centres, hotels with pools, private swim schools, community pools, health clubs and venues offering water-based activities or lessons.

Why Arrange Swimming Pool Insurance with Insure24?


  • Specialists in high-risk leisure & aquatic facilities
  • Correct structuring of participant & public liability
  • Cover aligned with lifeguard & safety standards
  • Access to specialist UK insurers
  • Expert claims & risk-management support

FREQUENTLY ASKED QUESTIONS

+-Is swimming pool insurance mandatory?

While not legally mandatory, specialist swimming pool insurance is essential due to the high injury risk.

+-Does public liability cover swimming pool users?

Public liability covers non-participants. Swimmers usually require participant liability cover.

+-Are lifeguards and instructors covered?

Policies can include employers’ liability and professional indemnity for lifeguards and instructors.

+-Does insurance cover water contamination closures?

Cover may apply following insured events or equipment failures, subject to policy terms.

+-How much does swimming pool insurance cost?

Premiums depend on pool size, usage levels, supervision standards and claims history.

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