Liability Insurance?

ziggyzog

Hi, I’m looking for a bit of insurance advice please.

We have an indoor swimming pool at our residential home and have a swimming instructor who is interested in conducting swimming lessons in our pool for some of her customers.

She has her own public liability insurance which will cover her whilst conducting the lessons, my concern is would we also need some kind of public liability or Property Owners liability insurance with people coming and going through the property? I'm worried about people claiming they tripped, slipped and hurt themselves etc and come after me claiming.

I've contacted my existing home insurer who not surprisingly wouldn't cover this as it's business related. I've also rung around a few brokers who wouldn't cover as it's not a proper business!

I also rang the British Insurance Brokers' Association (BIBA) who have a helpline, however they said they couldn't offer any advice!

Would it be a good idea to get people to sign some kind of disclaimer before they enter the property?

dacouch

Does the instructor pay you any money in return for use of the pool?

Try AULT who provide the swimming instructors association insurances

http://www.sta.co.uk/membership/insurance/
http://www.ault.co.uk/

ziggyzog

Yes, the instructor will pay an hourly rate (plus free lessons for my son!)

Thanks, I'll contact Ault on Monday

nellie7

The exterior of my house needs decorating so I found my decorator of many years use has retired.
I got one to come and inspect, but have heard nothing more from him.

However a friend said her next door neighbour did hers and so he has had a look and is willing to do it.
It is not a large job as I have uPVC fascia, soffits, guttering etc. so sadolin on hardwood window frames, and paint on garage door and 3 gates, + paint on concrete surround of front door.
He is retired and what worries me is that if, heaven forbid, he had an accident he would not be insured.

I also have to employ help with housework and gardening due to advancing years

I have looked at my buildings insurance and have Property Owners Liability for £2m but does this cover it?

Any advice welcome

dacouch

Ignore the first four answers as they are sponsored and are of little use to you, but the specialist brokers and the swimming associations will be able to help you

https://www.google.co.uk/search?q=swiming+association+public+liability+insurance&oq=swiming+association+public+liability+insurance&aqs=chrome..69i57.10816j0j8&sourceid=chrome&ie=UTF-8