- 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, water aerobics, and intra-team waterpolo.
- 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.
