Liability Insurance for BC

Are You Covered?

Open to Lifesaving Society, BC & Yukon certified Lifeguards & First Aid Instructors. This insurance is only valid in BC.

As the frequency of civil suits and their costs continue to escalate, the need for personal liability coverage becomes critical. Lifeguards and first aid instructors in BC & the Yukon are making the wise choice to purchase $2M personal liability insurance and have the assurance of coverage if the worst case scenario ever occurs.

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.

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.


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.

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.

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As soon as the award expires, insurance is no longer valid for activities related to that award.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.

A combined insurance policy for Lifeguards ($185) and First Aid Instructors ($280) is available at a reduced rate of $389. 

*Applications must be sent as a PDF attachment.  Photos of the application form will not be accepted.