- One on one lessons at private homes.
- Slides over 12’
- All Diving Board/Platform Activities
- Water trampolines
- Amusement Devices (including inflatables, dunk tanks, and climbing walls)
- Sauna/Steam Rooms
- Tanning exposures
- Underwater sports such as water polo, water volleyball and similar energetic team games or high risk activities in which the participants are periodically submerged. This does not apply to swimming, swim racing, pool side/starting block dives and water aerobics
- Pool side and racing Starts for swim races in water depths of four (4) feet or less
- All professional services except for swim coaching of participants or CPR and lifeguarding training.
- Lifeguarding Services at residential properties
- Other sports besides the swimming/water aerobics exposures. Other sport exposures (ie – toddler gymnastics, yoga, etc.) may be submitted for underwriting review, if the exposure is acceptable it will be rated and added to your coverage as an endorsement.
- Camps/Clinics involving overnight exposure. This may be submitted for underwriting review and if acceptable it will be rated and added to your coverage as an endorsement.
- Construction/Renovation activities to facility (this would be covered by a separate liability policy)
- Repair or Replacement of pool equipment
- 24/7 premises exposure for facilities that are not enclosed and locked to prevent unauthorized persons from entry or include diving boards.
- Exposures from events held by outside entities utilizing a facility where the insured is required by written contract to operate or manage a facility they do not own.
- Any type of physical therapy
- Transportation of students whether by vehicle or on foot.
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