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Risk Management Services (RMS) has been providing tailored and unique insurance programs to the Nation’s leading swim school and swimming member organizations for more than 40 years.
Having been involved in the sport of swimming for such a long period of time enables us to have detailed discussions with our partner insurance companies to clearly identify the needs of our swimming-related clients. Our general liability program was developed specifically for the swim lesson community more than 20 years ago and continues to provide broad, comprehensive, and affordable coverage for the industry.BEGIN APPLICATION DOWNLOAD PDF APPLICATION
DESCRIPTION OF COVERAGE
$5,000,000.00 General Aggregate Limit Per Insured
$2,000,000.00 Each Occurrence (Bodily Injury and Property Damage)
$2,000,000.00 Products/ Completed Operations Aggregate
$2,000,000.00 Personal & Advertising Injury
$1,000,000.00 Hired & Non-Owned Auto Liability
$300,000.00 Damages to rented premises
$250,000.00 Abuse or molestation per ocurrence.
$1,000,000.00 Molestation Annual Aggregate.
$25,000.00 Excess Medical or Dental Coverage
$5,000.00 Accidental Death & Dismemberment
Excess Accident or Participant Accident is included and provides secondary coverage to participants health insurance for medical bills, subject to terms and conditions of the policy. In the situation where the injured individual does not have insurance the accident coverage can be primary.
Does your facility require higher limits of insurance than the general liability program offers? We offer an additional Excess Liability option to supplement your coverage. When purchased in conjunction with the general liability policy, excess liability increases the policy limit to $5,000,000.00 per occurrence and $8,000,000 in the aggregate.
POOL PREMISES: If you own your pool facility or occupy a unit which you have completed tenant improvements/renovations or the only occupant of a leased facility, RMS can offer Pool Premises Liability for an additional premium. This covers you for claims not related to the swim lessons liability since there is an increase in exposure.
POOL MANAGEMENT: If you use a facility that also requires you to provide Lifeguard services and/or general facility clean up and/or control of chemicals on a regulard basis and/or Equipment maintenance (this must be hired out, you are not covered to perform any equipment repair or replacement) this coverage is needed. Managing a facility that is not owned by you is a higher level of risk, we strongly suggest this coverage is purchased.
Workers Compensation can be a challenging coverage to purchase. RMS has been able to develop a program with swimming related businesses in mind. Our program is available in all states except North Dakota, Ohio, Wyoming, and Washington where you are required to purchase the coverage from the state.
Do you have instructors providing residential lessons to clients? RMS can help you with the additional coverage you need to provide liability to your residential instructor.
Cyber Liability coverage is becoming more and more of a necessity in today’s e-commerce and online world. Cyber liability insurance protects small businesses from the high cost of data breach and computer software attacks. Many small businesses utilize industry available software to run their business. Unfortunately, those systems carry very little in the way of cyber protection. Most small businesses that have experienced an attack usually go out of business shortly thereafter due to the high cost of recovery and damage to their reputation. Cyber liability offers coverage to help with those recovery expenses such as, client credit monitoring, attorney’s fees, and fines to name a few. RMS has an affordable Cyber Liability program to help you manage this exposure. Speak with one of our representatives about details.
If you own your own facility or have Retro-Fitted a leased location (adding pools and remodeling at your own expense) we recommend obtaining Property Coverage.
The Benefits are: