If you have a swim school or swim club and are losing revenue as a result of the shutdown it is possible you may have insurance cover for this under a commercial insurance policy, particularly if the shutdown is as a result of an outbreak or occurrence of Covid-19 at our particular premises. Cover will depend on your particular policy wording and we would recommend that you check the details with your insurance advisor. If your commercial policy is with Howden, please contact us.



Whether you are a participant, teacher, coach or an officer responsible for running a club, you will find information here about the insurance, included within your membership affiliation to Swim England, to protect you whilst you are taking part in our sport.

All individuals who take part in swimming and other acitivites recognised by Swim England, either as administrators, coaches/teachers or participants, have a Duty of Care to ensure they do not cause injury or financial loss to anyone or damage to anyone's property.

Swim England members are covered by Public Liability and Professional Indemnity insurance policy arranged with Hiscox. This protects affiliated members, teachers and coaches, officials and clubs if held responsible and are negligent for causing injury to someone else or damage to someone's property whilst undertaking swimming and other activities recognised by Swim England.

Swim England members also benefit from a basic Personal Accident insurance - This 'no fault' benefit provides cover to Swim England members for death and permanent total disablement injury whilst taking part in swimming, diving and aquatic activities recognised by Swim England.

Club committees also benefit from Directors & Officers Insurance and Commercial Legal Advice and Expenses to assist in the daily running of the club.

Useful Links

Risk Management Information

Some great swimming
links for you:

Membership Check >

Swim England News >

British Swimming >

The Institute of Swimming >

Child Safeguarding >

Useful information
for your club.

Running a Safe Sports Club >

Organising a Voluntary Event >

5 Steps to Risk Assessment (PDF) >

HSE Myth busters >

Please note that Howden are not responsible for the content of external websites.


Clubs - recognised Activity

Insured recognised club activities, include:

  • training for and competitive swimming (including open water swimming/polo/diving)
  • social
  • fund-raising
  • administrative activities

For full details, please see the Authorised & Recognised Activities page.

Please refer to the governing bodies for details of the approved activities or to establish if an activity you wish to undertake is acceptable.  Some activities may need to be reviewed by the Swim England Safety Forum and referred to insurers.

Please note: all information relating to insurance is valid only until the renewal date of any particular policy, for details of cover after that date please contact Howden.


Important Info

FAQs >

Legal Expenses & Helpline >

Combined Liability >

Personal Accident >

Swim England News