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Swimming Club Insurance Colorado Policy Information

CO Swimming Club Insurance

Swimming Club Insurance Colorado. Swimming clubs are passionate about their sport - at the basic level, they may provide swimming lessons to both young children and older learners, but participating in competitive swimming forms the heart of these organizations.

Swimming clubs both play a vital role in promoting a sport with significant health benefits, and teach their members about good sportsmanship and leadership.

Swim clubs provide one or more swimming pools for the benefit of their members. These clubs usually sponsor one or more swim teams, offer swimming lessons and provide social opportunities for its members.

The pools may be indoor or outdoor and normally have diving boards. Swimming competitions and similar events are held on premises. The club may have a restaurant on the premises and may offer its facilities for weddings and other social events.

Operations may be seasonal or be offered year-round. While volunteers do much of the work at swim clubs, the manager, coaching staff, and restaurant workers are usually paid employees.

As the owner or manager of a CO swim club, swimming may be your soul, but to continue to be successful, it is also vital to be business-savvy. That includes considering the risks swim clubs may face, and that have the potential to threaten the future of a swim club.

Whether you already run a swim club or are considering opening one, that means staying up to date on the types of swimming club insurance Colorado you may need to carry. This brief guide offers some insights.

Swimming club insurance Colorado protects swim clubs from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Why Do Colorado Swimming Clubs Need Insurance?

Swim clubs need insurance, simply said, because we live in a world filled with risks - some of which could affect your organization at any time. The perils a CO swimming club may encounter include those common to any type of business, as well as some that are more specific to the nature of your own field.

Swim clubs may own their own pool facilities, or may rent terms at pools owned by third parties. In either case, property damage caused by employees or members of the swim club can lead to significant financial losses.

Swim clubs that own their facilities have to consider what happens if the pool is hit by an act of nature (such as a wildfire, earthquake, or hurricane), or a criminal act like burglary or vandalism. Those that don't own or permanently rent a facility, meanwhile, are still likely to have physical and other assets.

The risk that your electronic membership files could be hacked and made public is one to have in mind, for example.

Bodily injury is another risk swim clubs should never lose sight of. Should a club member slip on a wet floor and become injured, or should a beginning swimmer nearly drown, the possibility of a lawsuit exists - especially in the case of minors you were in charge of supervising.

These and other perils cannot always be prevented. Swim clubs can, however, protect themselves from devastating financial losses that would otherwise arise from them - by carrying the proper swimming club insurance Colorado.

What Type Of Insurance Do CO Swimming Clubs Need?

The coverage a swim club may be required to carry depends on variables such as the jurisdiction where your club is based, your number of employees, and the exact types of athletic activities your club participates in.

Some insurance companies have insurance plans specifically designed to cover swim clubs or athletic organizations in general, and you may find that these best meet your needs. Among the types of swimming club insurance Colorado that you may want to consider are:

  • Commercial Property: CO swim clubs that own pools and related facilities will need to carry this type of insurance, as well as those who rent another facility long-term. Commercial property insurance protects you from financial loss if your physical assets (including, but not limited, to buildings) are damaged by perils like theft, vandalism, and acts of nature.
  • Business Liability: This type of swimming club insurance Colorado is essential . It helps cover the legal costs associated with any third party bodily injury or property damage claims, but exists in various forms. Some insurance companies even offer athletic participation insurance to protect your organization when it takes part in third party athletic events.
  • Workers Compensation: Generally, businesses with one or more employees will need to carry workers' compensation insurance. In the event that an employee suffers a work-related accident or injury, in circumstances that indicate your company could be held liable, it covers the employee's medical expenses along with wages lost to related work absences.
  • Commercial Auto: Any business that uses vehicles over the course of its activities will further need commercial auto insurance. It covers both property damage (to third party vehicles) and bodily injury relating to the business use of your cars or other vehicles.

Navigating the modern insurance market is complex, but together with a commercial insurance broker who understands the nature of your business, your swim club will be able to obtain the swimming club insurance Colorado coverage that will help it thrive even in the face of challenges.

CO Swim Club's Risks & Exposures

Premises liability exposures are high due to the number of visitors to the premises and the use of swimming pools. While slips and falls are inevitable due to water hazards, more serious injuries and accidental drownings can generally be prevented.

Lifeguards, employees, and members should monitor all activities. Rules of conduct should be posted, with procedures in place to remove individuals who violate them. Depth markings should be clear. Lifesaving equipment must be accessible at all times.

Diving areas should be posted and kept clear of swimmers while divers are present. Criminal background checks should be conducted for any employee or volunteer who works with children.

Pool testing must conform to health department rules and chemicals should be used based on manufacturer's instructions. Contracts are important when sponsored events take place on premises.

Spectator liability is a major concern as visitors can be injured by slips and falls. Bleachers and floors should be in good condition and equipped with non-slip surfaces. Adequate lighting, marked exits, and egress are mandatory.

Steps must have handrails, be well-lit, and in good repair. The premises may present an attractive nuisance hazard after hours. There must be adequate security to prevent unauthorized entry.

Swimming clubs may have personal injury exposures from assault, discrimination, defamation of character, false arrest, invasion of privacy, or unlawful detention.

Product liability exposures are moderate if the club operates the restaurant or food concessions. Employees should be trained in the proper handling of consumables to prevent foreign objects in food, food poisoning, or the spread of other transmissible diseases.

If these are contracted out, the club should verify that the operators have adequate liability coverage.

Workers compensation exposures can include strains, slips and falls, and back injuries from helping clients. Swim coaches may be injured by students while giving lessons. Maintenance employees are exposed to pool chemicals which may result in contact dermatitis, lung, and respiratory illness.

Concession and restaurant workers may sustain burns, cuts, slips and falls in the kitchen. Employees may have to work at heights to change light bulbs or work on overhead equipment.

Property exposures are minimal if the only structures are an outdoor pool and the pool building. Facilities with both indoor and outdoor pools or that operate year-round present additional exposures that include electrical wiring, heating, and air conditioning systems, and cooking if there is food preparation.

All systems should be up to date and adequate for the operations. If food preparation is done on premises, such as in concession stands, all cooking equipment must be properly controlled.

Pool chemicals must be stored in a dry area because even a small amount of water applied to certain dry chemicals can trigger an explosion. If the club operates on a seasonal basis, a caretaker should stay on premises or security service should check each day for vandalism or small fires.

Crime exposures consist of employee dishonesty due to the handling of membership dues and property owned by the club. Volunteers should be added to coverage. Background checks should be conducted on all employees and volunteers handling money.

If tickets are sold to events, a significant amount of cash may accumulate. Cashiers' drawers should be kept stripped. All monies should be double counted and balanced with cashier balance sheets. All orders, billing and reimbursement responsibilities should be separated and records should be reconciled on a regular basis.

Inland marine exposures include accounts receivable if the club bills for dues, bailees, computers, and valuable papers and records for charters, clients' and suppliers' information. Bailee exposures are from the storage of members' property in locker rooms while visiting the facility.

Contractors' equipment may be used to maintain the premises. Copies of all data should be maintained off site for easy restoration in the event of a loss.

Business auto exposures are generally limited to hired and non-owned for employees running errands. If there are owned vehicles or the club provides team transportation, the vehicle driver should not be a team member.

All drivers should have the appropriate license and acceptable MVRs. Owned vehicles should be maintained on a regular basis with all service documented.

Swimming Club Insurance Colorado - The Bottom Line

For the safety of your employees and members, having the right swimming club insurance Colorado coverage is essential. To find out what types of business insurance options are available to you, how much coverage you should invest in, and how much your coverage will cost, speak to a reputable commercial insurance broker.

Colorado Economic Data & Business Insurance Information

Made In Colorado

If you're thinking about doing business in Colorado, it's important to familiarize yourself with the economic status of the state, as well as the regulations and limits regarding insurance for businesses. Below, we offer insight into pertinent economic data related to the state of Colorado, as well as key business insurance information so that you can put your best foot forward and make the best decisions for your business in the Centennial State.

Business Economic Trends In The State Of Colorado

According to recent reports from the leading economic researchers, the state of Colorado has a healthy outlook, economically speaking. While fewer jobs will be added in 2018 than have been in recent years, the growth rate is still expected to climb.

It's anticipated that entrepreneurs who are really interested in taking risks in new ventures will be the leading contributors for the state's economic growth. However, less risky industries will lend to the economy, as well, such as cloud computing and cybersecurity.

In regard to the fuel industry, it is anticipate that there will be an increase in valuation of about 9 percent in the year 2018, and this growth pertains mainly to gas and oil. This increase will largely be due to the improvement in energy prices, which are lower this year than they have been in recent years. It's hopeful that energy prices will continue to fall so that these industries can continue to thrive.

In terms of agriculture, it's projected that farms in the state of Colorado will do a little better this year than they did in 2017. Leading economic research agencies are expecting that the income from agriculture will reach nearly $1.4 billion in 2022.

In regard to the retail market, it is also expected that this industry will see steady growth, despite the rising trend of e-commerce solutions. In fact, it's estimated that the rate of employment in the retail sector will increase by as much as 2.1 percent during the 2022 fiscal year.

Regulations And Limits For CO Commercial Insurance

The Colorado Division of Insurance regulates insurance in Colorado. CO is considered a "fault state", meaning that business owners are not legally required to carry liability insurance; however, liability coverage is the type of commercial insurance that is most commonly purchased in the state. Commercial liability insurance covers business owners and their clients for things like bodily and personal injury, commercial property damage, and injuries that pertain to advertising injuries.

The only commercial insurance that business owners are required to carry is workers' compensation insurance. Any business that employees an hourly or wage staff must carry this type of coverage to protect their employees.

Additional Resources For Sports & Fitness Insurance

Learn about small business sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Sports And Fitness Insurance

Sorts and recreation includes a wide variety of operations, from individual theater owners to theater chains to corporations that operate properties with recreational facilities spread over many acres. It also includes publicly and privately owned athletic fields, stadiums, golf courses and other athletic facilities.

The risks in this classification are similar in that all involve the admission of large numbers of people combined with significant public access. These shared characteristics mean that all share the potential for catastrophic loss. For this reason, liability coverage with high limits of liability is critical.

Property, workers compensation, crime and inland marine coverages are also important but their necessity varies by type of risk.

This insurance can cover Amusement Parks, Archery Ranges, Athletic Fields, Ballparks, Ballrooms, Billiard Parlors, Bowling Alleys, Carnivals, Country Clubs, Drive-In Theaters, Golf Courses, Outfitters and Guides, Handball and Racquetball Courts, Ice Skating Rinks, Indoor Sports Complexes, Professional Sports, Racetracks-Horse or Dog, Racetracks-Motorized, Recreation Centers, Riding Stables, Roller Skating Rinks, Shooting Ranges, Skatepark, Skeet or Trap Shooting Ranges, Skiing Operations, Stadiums, Swimming Clubs, Tennis Centers, Theaters & Video Arcades.

Sports and fitness facilities have a way of bringing susceptible groups of individuals and situations together that can be potentially dangerous if not properly monitored. The joy and happiness of the moment can quickly change because of a calamity and those calamities can then lead to lawsuits.

Many of these risks have large money exposures every day they operate. Because of this, losses involving cash are the single biggest concern for most recreational facilities. This includes not only holdups and robberies but incidents involving counterfeit currency, computer fraud and forgery as well.

Employee theft is also a major concern in some operations because of attractive types of property or merchandise coupled with high rates of employee turnover.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income and Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Bailees, Computers, Contractors' Equipment, Golf Carts, Valuable Papers and Records, General Liability, Employee Benefits, Environmental Impairment, Umbrella, Hired and Non-owned Auto & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Flood, Mobile Equipment, Cyber Liability, Employment-related Practices, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers, Stop Gap Liability and Unmanned Aerial Vehicles (UAV) (Drones).


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Also find CO local small businesses by General Liability Class Code and learn about Colorado small business insurance requirements for general liability, business property, commercial auto & workers compensation including CO business insurance costs. Call us (720) 500-2051.

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