Colonial General Insurance Agency, Inc. offers a Swim Club Insurance program tailored for private swim and racquet clubs that operate on a membership basis. The program combines flexible liability and property options and covers clubs that operate seasonally or year-round and that participate in off-site competitions. Agents can use this market to place accounts with on-site amenities such as pools, tennis courts, fitness areas, and snack bars.
Ideal Accounts and Appetite
This program targets private swim clubs, racquet clubs, and combination facilities that provide recreational and competitive aquatic activities for members. Typical fits include clubs with organized programs, controlled access, trained lifeguards or staff, and routine maintenance schedules. Coverage also extends to clubs that travel for off-site swim meets or competitions.
Accounts that are generally not a fit include public municipal pools, large water parks, or facilities with high-risk attractions such as commercial water slides, complex wave pools, or diving platforms beyond standard competitive diving features.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 occurrence and aggregate
- Included coverages:
- Medical Payments — $5,000 limit
- Sexual/Physical Abuse Coverage — $25,000 per claim / $50,000 aggregate
- Limited Participant Coverage — $25,000 occurrence / $50,000 aggregate
- Excess or Umbrella limits available up to $25,000,000
- No deductible required for primary liability
Property Coverage Options:
- Building and contents
- Business income and extra expense
- Computer equipment and electronic data
- Equipment breakdown
- Food spoilage for on-site snack bars
- Outside signs, valuable papers, accounts receivable
- Replacement cost or actual cash value available
- Basic, broad, or special forms depending on underwriting
Crime Coverage:
- Inside the premises — theft of money and securities
- Inside the premises — robbery or safe burglary of other property
- Outside the premises coverage available
Underwriting Notes and Minimum Premiums
Colonial General works with multiple admitted and excess & surplus markets to tailor terms to the account’s exposures and location. Some admitted markets are available depending on state and class of business; otherwise E&S capacity is used for higher-exposure or hard-to-place risks. Each submission is underwritten individually to determine appropriate coverage, limits, and pricing.
When preparing submissions, include details on staffing and training (lifeguard certifications), maintenance and safety protocols, incident history, membership size, hours of operation, and any off-site travel for competitions. These items materially affect acceptability and terms.
Territories and Availability
This Swim Club Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Agents in these states can request mono-line liability, property, or packaged solutions depending on client needs and exposures.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple carriers. Agents benefit from underwriters experienced with recreational facilities, flexible placement options for routine and complex accounts, and responsive service for quote and placement needs. The program is designed to help you place accounts that have unique liability exposures tied to aquatics and racquets.
Example accounts you might place with this program:
- A suburban private swim and tennis club in Colorado that operates seasonally, employs certified lifeguards, and sends teams to regional swim meets.
- A year-round racquet and swim facility with a small fitness center and snack bar seeking combined liability and property limits on an admitted or E&S basis depending on location.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Private swim and racquet clubs that operate on a membership basis, run organized aquatic or racquet activities, and may participate in off-site competitions are ideal fits.
Are off-site competitions covered under this program?
Yes. Coverage includes off-site competitions, so clubs that travel for swim meets or similar events can be placed through this program.
Is this program available on an admitted basis?
Some admitted markets are available depending on the state and risk profile. For higher-exposure or non-admitted placements, Colonial General can access excess & surplus lines carriers.
Which states is this program available in?
The Swim Club Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
What limits are available under the liability coverage?
Primary liability limits are available up to $3,000,000 occurrence and aggregate, with excess or umbrella limits up to $25,000,000.
Need help placing an account? Connect with a market specialist.