Clubs--Swimming

What Does GL Code 41666 Cover?

ISO GL class code 41666 specifically covers general liability for swimming clubs, including operations related to pools, aquatic activities, and associated facilities. This code classifies businesses that provide swimming instruction, recreational swimming, and competitive swim programs, encompassing the risks inherent in water-based activities and member services.

Who Uses This Class Code?

This code applies to private swimming clubs, community pools, aquatic centers, swim schools, and organizations that operate swimming facilities for public or private use. Businesses such as competitive swim teams with their own facilities, water aerobics centers, and synchronized swimming clubs would also fall under this classification.

Common GL Claims for This Class

Common general liability claims for swimming clubs include slip-and-fall incidents on wet decks, drowning or near-drowning accidents, and injuries sustained during swimming lessons or recreational use of facilities. Claims can also arise from chemical imbalances in pool water leading to skin or eye irritation.

Coverage Tips for Code 41666

• Ensure your policy includes adequate coverage for 'Abuse and Molestation' claims, which are a significant exposure for any organization working with minors in recreational settings.
• Verify that your general liability policy extends to cover all instructors, lifeguards, and volunteers, whether they are employees or independent contractors, to avoid coverage gaps.
• Implement and document robust safety protocols, including regular pool maintenance logs, lifeguard certifications, and emergency response plans, as these are critical for underwriting and claims defense.
• Be aware of Florida's specific regulations regarding pool safety, such as the Florida Building Code's requirements for pool barriers and alarms, as non-compliance can impact coverage.