Five Reasons your Swimming Club Needs Insurance


The swimming club is a place of many functions, full of people with different motivations for attending, different levels of skill and of all different ages.

Running such a complex operation with such a wide array of customers naturally comes with a unique set of challenges, and a unique set of risks. In this article, we’ll be looking at five reasons you should ensure your swimming club is insured with the best insurance package possible.

Why do I need swimming club insurance?

1: Swimming pools are dangerous places

We might be starting with the most obvious risk, but that doesn’t make it any less true. Slips, trips, drowning, and several other problems come with being in and around the pool. And unfortunately, no matter how careful you are, accidents can happen.

Because of this, it is vital that you have comprehensive insurance to cover accidents occurring both in and out of the pool, it only takes a second for an accident that could put you in serious financial peril to occur.

2: You may need legal assistance

If the worst does happen and something does go wrong you could also potentially find yourself in an expensive court case, even if your club is not liable for the accident. These cases have the potential to continue for lengthy periods of time and cost your business thousands of pounds. Comprehensive insurance cover will ensure you don’t have to worry about the costs involved with defending yourself in court should this eventuality occur.

3: You need to protect your staff

Your staff are the lifeblood of your club, ensuring that it can continue to function and all of your customers have the best swimming experience possible. Even though they will have had a vast amount of safety training and be very strong swimmers, they could still potentially get injured and be unable to work for an extended period.

Getting the correct cover will ensure you are financially covered for any compensation claims as a result of injury and can also give your staff financial assistance if they are unable to work because of injury, ensuring peace of mind for both you and your staff members.

4: Not everything is within your control

Regular maintenance and a skilled engineering team can help you to mitigate the risk of failures but you can never completely rule them out. If one part breaks you could potentially be forced to close your club for days or even weeks until repairs can be done, leaving you spending money on repairs whilst also being unable to bring in any income.

Ensuring this loss of income and the cost of repairs are covered will give you one less thing to worry about and allow you to focus all of your efforts on getting your club back up and running as quickly as possible.

5: Hacking and online failures can stop you in your tracks

The internet is an extremely useful tool for sending information out to club members and promoting your club to potential new members, and is something we have become increasingly reliant on. Unfortunately, the internet, like anything else, is not foolproof and can be a cause of major concern.

One of the most useful tools for both promotion and communication is your club website, and as we’ve seen in recent times even the biggest businesses can be vulnerable to hackers and other acts of online sabotage. A comprehensive insurance package can also insure the costs of resolving these issues, helping you get things back to normal as quickly and efficiently as possible.

How can we help?

If you would like the team at Swimsure to craft a bespoke, no obligation insurance quote for you, you can use our online form here or call us on 0845 450 8020.

quote safe guide call

Latest news

08.07.20 Post and paper-based documents

We continue to handle all post (incoming and outgoing), and paper-based documents such as cheques,… Read

08.07.20 Clients experiencing financial difficulties

On the 18th May 2020, the Financial Conduct Authority introduced new measures for insurance… Read

02.03.20 Swim Wales Announce New Partner

Swimsure are currently providing insurance for over 800 swim schools in the United Kingdom… Read

05.05.17 Five of the Toughest Swims in the World

One of the best things about swimming are the massive fitness benefits you gain from regularly… Read


RT @WWSSHUB: Teaching #children a respect for the water is a very important part in #WaterSafety @WWSSHUB https://… 2 years, 10 months ago

RT @britishswimming: On this day in 2016 @JackLaugher and @ChrisMears93 became Olympic Champions in the Men's 3m Synchro for 🇬🇧 Nice one b… 2 years, 10 months ago