Can you limit liability providing at home business swimming lessons for kids?

Nina L. Kaufman, Esq.

Nina L. Kaufman, Esq.

An award-winning small business attorney in New York City, Nina is a sought-after professional speaker and Entrepreneur Magazine online contributor. She is the go-to counsel for knowledge economy and creative companies, delivering legal services and educational resources that save them time, money, and aggravation.

Posted on February 4, 2015 in Business Essentials

Q.: I want to give private swim lessons for kids in my pool for the summer. My backyard has a pool and spa that are surrounded by concrete, so a kid could conceivably fall and get hurt. How do I limit my liability?

A.:  You may run into several obstacles in trying to give swimming lessons to kids in your pool.  First of all, it’s a commercial activity, and your home/neighborhood zoning may not permit that kind of activity.

Second, assuming you are zoned for swimming lessons for kids, your homeowner’s insurance may not cover business activities, so you would have to speak to your insurance broker about the extent of your coverage.

Third, you’d need to check with your local licensing bureaus (or an attorney familiar with this area) to see whether you would need to be specially licensed to give swimming lessons for kids and if so, how many children you could safely teach and monitor at one time.  You may be required to bring in extra staffing if you’re planning on teaching more than one child at a time.

Here are more law questions about small business insurance.


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