This Insurance has come about after many years of experience working with the aquatics industry on both Insurance and Risk Management issues. This has enabled us to identify gaps in current situations and provide a backstop – a safety net – just in case.
When working as a teacher in a swim school as an employee or contractor you don’t know whether or not the swim school has Public Liability & Professional Indemnity insurance in place to protect you should an incident occur that would be covered by this type of insurance.
Even if you are covered, most likely you are not covered for any volunteer teaching you do outside of your place of employment. The insurance policy with your AUSTSWIM Teacher Licence covers you for this.
In many cases, allegations of negligence that lead to legal action in both Public Liability and Professional Indemnity insurance claims ultimately turn out to be baseless. However to assess and defend any legal action, the Legal Costs can be significant, these costs are also included as part of the Insurance Coverage.