Swimming Teachers and Coaches

Cover that protects you while you teach or coach

As a registered Swim England Coach or an Institute of Swimming Teacher member, operating as a sole trader you are provided with insurance to protect you while you are instructing and delivering Institute of Swimming and Swim England recognised activity.

Public Liability & Professional Indemnity Insurance

This protects you if you are held responsible or are found to be negligent resulting in loss, property damage or injury while teaching, coaching or officiating to the level of your qualification.

Personal Accident Cover

You are provided cover for death, permanent total disablement or temporary total disablement injuries arising from your teaching or coaching activities.  Details of current fixed benefits and special extensions are noted on your member summary. 

Please note temporary total disablement does not cover your full income under this policy.  Optional additional insurance is available direct from Howden as follows:  

Income Protection

Are you worried about your income if you were injured or sick and unable to work?  Income protection is designed to replace or supplement your income in the event that you are unable to work. 

Insurance can be taken out to cover accidents/sickness and is intended to provide short term cover ranging from 12 to 24 months or up until retirement on long term accident and sickness cover, depending on the policy.  Common reasons for taking out income protection includes protecting mortgage or loan payments whilst ensuring you are able to maintain your lifestyle and can continue to financially support your family and loved ones. 

Let us help you find income protection insurance that is right for you.  Once we establish you are eligible for insurance cover, Howden Life & Heath can tailor the policy cover to meet your individual needs.  For further information click here. 

Loss of Revenue Cover

This contributes costs to you where you have lost income due to temporary closure of a swimming pool that is damaged or has an identifiable breakdown, explosion or collapse of any electrical or mechanical equipment and is located within UK and the Republic of Ireland.

Legal Helplines and Expenses

UK members are provided with access to legal helplines to help you manage your legal responsibilities as a swimming teacher or coach.

The cover also extends to provide legal expenses for certain matters, including:

• Employment Disputes - Pursuit
• Contract Disputes - Pursuit
• Internal Disciplinary Hearings - Representation
• Bodily Injury - Pursuit

It is essential that you obtain advice from the Legal Expenses insurer before you act to ensure that you do not prejudice your position. If insurers have not been contacted prior to your action, they are unlikely to support the claim.