Insurance –
are you covered?
People often call us to ask about insurance coverage for
lifeguards and instructors. e answer depends on whom
you work for:
•
If you are employed by a corporation such as a
town, city or camp, the corporation likely carries
general liability insurance that covers you as the
employee. erefore, you do not need your own
insurance.
•
If you are asked to lifeguard or teach private lessons
in a backyard pool then insurance is required.
Ask your employer if you are covered under their
homeowner insurance policy; if they say yes, you
should have them conrm this coverage in writing
before you agree to work. If you are not covered
under the employer’s policy, or the owner is unwilling
to conrm such coverage in writing, ensure that you
secure adequate liability insurance on your own by
contacting an insurance broker.
•
Insurance is also required if you are lifeguarding or
teaching in your own backyard pool. You may be
covered under your (or your parents’) home insurance
policy, but it is best to conrm this with the insurance
provider. If you are not covered, ensure that you
secure adequate liability insurance on your own by
contacting an insurance broker.
•
If you are volunteering your examiner services on
behalf of the Lifesaving Society, the Society covers
you under its liability coverage so you do not need
your own insurance.
•
If you are a volunteer, the Ontario Good Samaritan
Act applies with regard to liability, details of which
are online.
e popular “Watch Me Not Your Phone” art is now
available in 11x17” poster size. Sold in packages of 10.
50/50 RAFFLE FOR
SWIM TO SURVIVE
The draw for the Society’s first 50/50 Raffle for Swim to
Survive took place on August 30. Rachel Tennant was
the winner, taking home $2,780.
Tickets for the next raffle go on sale on October 1,
2019. The draw will happen on November 29, 2019.
Visit our website starting on October 1 to buy tickets.
September 2019
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Tel: (416) 490-8844 • Email: [email protected] • www.lifesavingsociety.com • www.lifeguarddepot.com