The Lifesaving Society of BC & Yukon offers personal liability insurance coverage to its Individual Members. Personal liability ensures protects Lifeguards and Instructors in the BC & Yukon, providing assurance of insurance coverage in the event of workplace bodily injury or property damage. The following information outlines the terms and conditions of our Instructor liability insurance and Lifeguard Liability Insurance.
Members in good standing of the Lifesaving Society including award holders and council members while acting within the scope of their duties as a member or within their training and certification to whom a valid certificate of insurance has been issued.
Amount of Coverage
This is a comprehensive General Liability Policy with a limit of $2M bodily injury or property damage for each occurrence. There is a $1000 deductible amount per occurrence.
What Is Covered
Applicants are covered for liability arising from duties as first aid & aquatic instructors, lifeguards, examiners or operations usual to members of the Society while acting within the scope of Lifesaving Society awards.
Coverage includes legal defense, settlement amounts, court award amounts and other related costs. Although you may not be found liable, proving it may cost several thousand dollars in legal fees.
Period Of Coverage
The reasonable premium is possible due to a group policy available for a specified period. Coverage becomes effective when payment is received and expires on the following December 31 at 12:00 midnight. Premiums cannot be pro-rated.
- This coverage is in excess of any other valid or collectable insurance
- Applicants are covered when working within the territorial limits of BC & the Yukon only.
- The sponsoring organization (Lifesaving Society) is not an additional named insured.
Terms Of Insurance
In order to qualify, and remain qualified, at least one of the following awards must be current:
- National Lifeguard (NL)
- NL Instructor
- NL Instructor Trainer
- Lifesaving Instructor
- Lifesaving Instructor Trainer
- First Aid Instructor
- First Aid Instructor Trainer
As soon as the award expires, insurance is no longer valid for activities related to that award. Although expiry dates are required on the application form, it is the responsibility of the policy holder, not the Lifesaving Society, to ensure awards are kept current to maintain coverage.
A certified copy of the master policy is on file at the office of the Lifesaving Society.
Please note that a combined insurance policy for Lifeguards ($185) and First Aid Instructors ($280) is available at a reduced rate of $389.
Liability Insurance Application Form
Fee: $185.00 ($165.00 policy premium + $20.00 administrative fee; pro-rating not available Insurance Effective: Jan 1 to Dec. 31 (or from date of payment if after Jan 1)
Please note this policy is only valid in BC & Yukon