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Swim school insurance in Australia

Annual cover from $209*

Insurance for swim schools, teachers and coaches. Buy online if eligible or speak with a Marsh broker for larger or more complex swim operations.

Buy online now

Insurance for swim schools, teachers and coaches

Swim schools operate with risks in and around the pool. You may need to think about your business, equipment, staff, and patrons.

Public liability can help with third-party claims involving injury, faulty products, or property damage. Professional indemnity can help with allegations of professional duty breaches.

Marsh has arranged insurance solutions for swim schools, teachers, and coaches for more than 15 years. Depending on your business size, activities, and claims history, you may be able to buy online or speak with a broker.

Choose the right cover for your swim business

For eligible swim teachers, coaches and swim schools with annual turnover up to $2million can arrange cover online.

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Swim teachers

Annual cover from $209*

For eligible individual swim teachers with annual turnover up to $2 million

  • Annual cover for individual swim teachers

  • $20 million public and product liability

  • $10 million professional indemnity

  • For annual turnover up to $100,000

  • For swim teaching, coaching and training

  • No claims over the excess or $500 in the last 5 years

  • Coverage Australia-wide, subject to policy terms

Buy online
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Swim schools

Annual cover from $409*

For eligible individual swim schools with annual turnover up to $2 million.

  • Annual cover for swim schools

  • $10 or $20 million public and product liability

  • $10 million professional indemnity

  • For annual turnover up to $2 million

  • For swim teaching, coaching and training

  • No claims over the excess or $500 in the last 5 years

  • Coverage Australia-wide, subject to policy terms

Buy online

*The price indicated is for policy premium including GST, stamp duty, levies, service/broker fees. Premium prices may start at this price and are subject to fluctuate depending on the level of risk/cover chosen when applying for cover as determined by the relevant insurer.

Understanding swim teacher and swim school insurance cover

selected option

Public liability and product liability

Public liability can help with third-party claims involving injury, faulty products, or property damage. Product liability may apply where eligible product sales are declared.

What it can help cover

Public liability may help respond to third-party injury or property damage claims linked to supervised swim lessons, coaching, or training.

What’s not covered

Product sales over $100,000, slides above 1m, large events, alcohol supplied by the insured, or undeclared activities need broker or underwriting review.

Professional indemnity

Professional indemnity can help eligible swim teachers, coaches, and schools respond to allegations of professional duty breaches.

Who it may suit

Cover is subject to policy terms, conditions and exclusions. Read the policy wording before deciding whether the cover suits your needs.

Insurance solutions for larger swim schools

Not every swim business fits the online eligibility rules. That does not mean Marsh cannot help.

If your swim school has higher turnover, larger events, unusual activities, complex pool arrangements, or referral triggers, speak with a Marsh broker. We can ask a few questions and help review what insurance options may be available.

Others need broker support because of their size, activities, claims history, or pool features.

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Cover for larger swim schools

  • For turnover over $2 million and up to $10 million

  • Support for larger swim schools and pool operators

  • Broker review for claims over the excess of $500

  • Review for product sales over $100,000

  • Review for slides above 1m or large events

  • Bespoke pricing may apply after review

Support for swim school operators

Marsh supports more than 300 learn to swim schools, swim instructors, and teachers across Australia. Our brokers can help explain your options, arrange cover where available, and support you if you need to make a claim.

Frequently asked questions

Pricing depends on your cover limit, turnover, activities, equipment, and claims history. For eligible online public liability options, base premiums start from AUD114 for $5 million liability, AUD171 for $10 million liability, and AUD230 for $20 million liability.

You may be able to buy online if your swim school has an annual turnover of up to $2 million and meets the eligibility rules. This includes having no claims over the excess or $500 in the last 5 years.

Contact a broker if your turnover is over $2 million, you have referral activities, or you have claims that need review. This can include large events, slides above 1m, or product sales over $100,000.

Public liability may help respond to third-party claims involving injury, faulty products, or property damage. For swim schools, this may relate to supervised lessons, coaching, or training.

Product liability may apply if your swim school sells products. Product sales must be declared. Sales over $100,000 need a broker or underwriting review.

It may be relevant if you provide swim instruction, coaching, or training. Professional indemnity can help with allegations of professional duty breaches, subject to the policy wording.

Some birthday party activities can be included online if eligibility conditions are met. Higher-frequency parties, such as more than 25 per year, need a broker or underwriting review.

Diving boards and slides up to 1m may be declared online if conditions are met. Slides above 1m need a broker or underwriting review before cover can be arranged.

A home pool endorsement may be available if conditions are met. This includes qualified instructor supervision, written maintenance procedures, and compliance with local council standards.

Information-only websites and social media may be accepted online. Interactive online classes or two-way coaching may need an Internet Activities Endorsement and additional loading.

Depending on your business, you may also consider management liability, business insurance or cybersecurity insurance. Marsh can help review what may suit your operations.

No insurance policy can remove every risk. Cover depends on the policy terms, conditions and exclusions. Read the policy wording and speak with Marsh if you are unsure.

Forms and documents

This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.

Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.

Marsh, MAI, JGS and JLT are all businesses of the Marsh group.

LCPA 26/3097