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Surf Instructor Insurance

Business insurance that works when you do.

Get an hourly, daily, or monthly insurance policy in 60 seconds.

Surf Instructor Insurance - Simplified.

Why do I need a Surf Instructor Insurance policy?

Nothing feels better than hanging ten on a heavy set before hitting the lip and tossing up a shaka to the jealous groms who wished they dared to hollow into the soup like you.

Okay, there is a strong chance we don’t know what any of those words mean, but that’s not our specialty—insurance is. And that’s why you’re here.

You love surfing, and teaching is your passion. Whether you own your own surf shop or you spend hours each day teaching beginners the ins and outs of surfing, you have a love for the waves so strong that you’ve made it your career. However, all of that can fall flat if you end up with a lawsuit when you’re not covered. You know better than anyone; being a surf instructor in either private or group lessons comes with many risks. You deserve to follow your passion without fear of a lawsuit turning a far-out life into a wipeout. (Cheesy puns, we know.)

If your client has an inescapable fear of sharks or drowning—both of which are very common—then moments of worry can quickly turn into moments of litigation after getting out of the water. Especially if they feel like you’ve been negligent at all during their lesson.

Plus, with the physical nature of surfing, you may end up with some injured clients on your hands if a ride gets a little too intense. If they claim you gave them poor instructions that led to that injury, you could be at risk of expensive medical bills and even legal expenses.

Beyond the risk of injury, you could be liable for any potential property damage that occurs to a client or third party. Whether you break someone’s board or knock over someone’s equipment, you’ll want to be covered by a Surf Instructor Insurance policy.

This is why general liability and professional liability insurance is essential for surf instructors. With Thimble’s General Liability Insurance, you can be protected from third-party claims of bodily injury and property damage that are a result of your surf instruction. Additionally, professional liability insurance will protect you from any claims of mistakes, errors, and negligence associated with your professional services.

Protect yourself while you pursue your passion. With Surf Instructor Insurance from Thimble, you can ride the legal wave a little easier, knowing that you are protected from risk.


How much does Surf Instructor Insurance cost?

To determine the policy rate for Surf Instructor Insurance with Thimble, we will need to know the level of risk related to your business, your location, your crew size, and the coverage limits you choose. You can then choose your length of coverage, whether it’s hourly, daily, or monthly, so you’ll never have to pay for insurance that you don’t need. You can also add as many Additional Insureds as you want for free.

Get a Quote

Whether you want to pay by the hour, the day, or the month, with Thimble’s flexible insurance, the world is your oyster. Get your free Surf Instructor Insurance quote now.


What is covered under the Surf Instructor Liability Insurance policy?

The General Liability and Professional Liability Insurance from Thimble is designed to cover surf instructors from liability in situations like the following:

Bodily Injury

When teaching a student who said they were advanced, you set them up on a pretty massive wave. They wipeout on top of their fellow student, resulting in both of them being hurt. You may be sued for these bodily injuries and be forced to pay for their recovery.

3rd Party Property Damage

You are leading a warm-up run along the shore with five of your students. One of these students is a little rascal and kicks a local’s cooler, damaging his prized custom-made, one-of-a-kind, Disney-themed beer koozies. Crazy, right? Either way, the man is NOT happy, and now wants to sue you for property damage. How expensive can beer koozies be? Very.

Defense Costs

At a surf camp, two kids get into a fight, and one of them goes home with a black eye. The parents name you in the lawsuit, claiming that this shouldn’t have happened under your watch. After failing to explain yourself and calm them down, you realize you need to hire an attorney to defend yourself.

Medical Coverage

Your student is finally riding their very first wave. Unable to change direction or stop, they end up hitting a wandering swimmer in the face. The swimmer expects you to pay for their medical expenses, because “you should have seen them swimming,” and shouldn’t have sent your student on the wave.

Errors & Omissions

You are giving a businessman a surf lesson on their vacation, and they injure themselves, forcing them to prolong their stay. They then miss an important deadline, costing them a big promotion. They could sue you for negligence, seeing that the surf injury resulted in financial loss.


How quickly can I get a Certificate of Insurance?

Getting an insurance quote and policy with Thimble is easier than surfing—that’s for sure. It only takes 60 seconds. Once you get your free quote and purchase a policy, your Certificate of Insurance (COI) will be waiting for you in your inbox moments later, and you can hit the waves.

Although you can download and print as many COIs as you want, you might find it more convenient to access them electronically. With the Thimble app, you can access all of your COIs at any time.

If a summer surf camp requires you to have insurance, you can download your COI up to six months in advance of your policy period. You can also cancel your policy up to an hour before the coverage starts penalty-free.

If you need to make any changes to your policy, modify it right in the Thimble App! Whether you want to include Additional Insureds or generate ten different COIs, you can do so for free.


I also work for a beach resort as their surf instructor and they have business insurance. Do I need my own Surf Instructor Insurance policy?

In short, the answer is yes. You always want to ensure that you are individually protected. Even if the resort has a policy, you never really know in which situations you are covered.

Say one day you’re working on behalf of the beach resort, giving surf lessons. If for some reason, one of your clients is injured during one of your lessons, you may be named individually in the lawsuit. If that situation were to arise, you would want to have an insurance policy that covers your defense costs or claims of negligence.

That’s why you should make the safe choice and purchase your own insurance, no matter what. 

The only way to truly guarantee that you are protected against third-party claims of property damage or bodily injury is to get your own insurance. With Thimble, you can take choppy water and turn it into the perfect swell.


What are the Surf Instructor Insurance policy limits?

For Thimble’s Surf Instructor Insurance, you can select policy limits of $1 million and $2 million. Whether you are an independent instructor or working for a larger company with many clients, it is worth considering the risk you would like to be insured against before choosing—that extra protection can go a long way.


Does Thimble’s Surf Instructor Insurance cover damage to my equipment?

No, Thimble’s general liability insurance for surf instructors does not cover damage to your own property or equipment. We get it, sometimes a board is damaged, or a wetsuit needs replacing. If you are worried about your own equipment, property, or vehicle, consider purchasing a commercial property or auto insurance policy.


How do I get Surf Instructor Insurance with Thimble?

It’s as simple as signing up, inputting your zip code, and telling us your preferred coverage length. In just 60 seconds, you’ll have an instant quote outlining your Surf Instructor Insurance policy. Once you purchase, you can download your COI, which can also be accessed from the Thimble app at any time.

Get your Surf Instructor Insurance quote now.

Have questions? Visit our FAQ

Fitness insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • Aerobics Instructors
  • Dance Instructors
  • Fitness Instructors
  • Golf Instructors
  • Martial Arts Instructors
  • Personal Trainers
  • Spin Instructors
  • Swim Instructors
  • Tai Chi Instructors
  • Yoga Instructors

Excluded Activities

  • Occupational Therapists
  • Physical Therapists

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • See full policy for details

With Thimble, get a policy in seconds so you can take on whatever’s next.

Policies start at just
$5
Thimble Insurance customer Reis Taylor on roof for contractors and handyman insurance
"With an annual policy, you have to pay upfront, which can be difficult for a small business like mine. What distinguished Thimble was the hourly rate."
Reis T, Thimble Customer

We make business
insurance simple.

Flexible Coverage

Buy Thimble On Demand by the hour, day, or week, or get Thimble Monthly to keep the clock running.

Instant Certificates

Get an Acord 25 Certificate of Insurance in your inbox (and your client's) in less than 60 seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Full Control

Add crew and Additional Insureds instantly. Cancel or modify your policy, anytime, for free.
surf instructor insurance

The information provided is intended to be a description of coverages only. There is not guarantee of coverage. If there is a conflict between the description contained herein and the insurance policy contract, the terms of the policy shall control.

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