Anyone know of a company that provides professional liability insurance for employed lifeguards?

Question

Anyone know of a company that provides professional liability insurance for employed lifeguards?

Answer 1

Shouldn't the place you work for provide this, they do me.

Answer 2

No such horse.  See, professional liability covers OPINIONS and JUDGEMENT CALLS that cause a financial loss, not BODILY INJURY.

Assuming you're looking for coverage in case someone drowns, that's general liability.

Answer 3

Try K&K Insurance Group (Fort Wayne, IN).  They specialize in excess and surplus lines coverage and may be able to find coverage for you.  Note that you may want to see if you are considered an "insured" under the policy of the pool that you work for.  Odds are, if you are an employee, you are probably covered under their policy while acting in course and scope of your duties.  You may consider adding a personal lines policy (including perhaps an "umbrella") for possible extra protection.  Renters and HO policies may exclude business risks, but a lot of times coverage can be added back under the umbrella.