Running a surf school involves providing students with a safe experience and fulfilling the legal responsibilities inherent to the activity. The Allianz Surf School Insurance, available through Allianz and brokered by R2 Seguros, was developed to protect students while they are practicing the sport and to ensure the operator’s liability toward third parties.
Designed for surf schools and other similar activities, such as stand-up paddleboarding (SUP), skimboarding, windsurfing, and kitesurfing, this insurance combines personal accident and liability coverage, offering a comprehensive solution for those who teach these sports.
Accidents or damage to third parties can occur during a class, situations that can result in significant costs for the school. Allianz Surf School Insurance helps minimize these risks, providing financial protection and greater peace of mind for students, instructors, and those responsible for the activity.
Who is the Surf School Insurance intended for?
The Surf School Insurance is intended for companies and organizations that have facilities for teaching surfing and similar sports, specifically:
- Surf schools;
- Stand-Up Paddle (SUP) Schools;
- Skimboarding Schools;
- Windsurfing Schools;
- Kitesurfing Schools;
- Companies dedicated exclusively to teaching these sports, without an equipment rental service;
- Companies that do not hold a Tourist Entertainment or Maritime-Tourism Operator license.
Each contract may include up to three beaches where the activities take place.
Benefits of Surf School Insurance
Allianz Surf School Insurance offers a comprehensive solution to protect the activity and its participants.
Among the main advantages are:
- Protection of students while participating in the sport;
- Personal Accident and Civil Liability Coverage;
- Option to include up to three beaches on the same policy;
- Coverage of various wave sports;
- A solution tailored to the needs of surf schools;
- Specialized support provided by R2 Seguros.
Surf School Insurance Coverage
Surf School Insurance combines two key components: Personal Accident Coverage and Civil Liability Coverage.
Personal Accidents
The Personal Accident coverage includes benefits such as:
- Death and Permanent Disability;
- Medical Expenses;
- Funeral Expenses;
- Expenses Related to Rescue, Search, and Transportation Operations;
- Simultaneous Death of the Insured Person and Their Spouse.
Covered individuals are students who use surfboards owned by the policyholder while practicing the sport. School employees and instructors are not included in this coverage.
Civil Liability
Civil Liability coverage includes protection for:
- Damage caused by the boards used during the activity;
- Damage caused by students to third parties during classes and under the guidance of instructors;
- Damage caused to third-party vessels.
Insurance Premiums for Surf Schools
Personal Accident coverage includes, among others, the following benefit amounts:
- Death and Permanent Disability;
- Medical Expenses;
- Funeral Expenses: 5,000 €;
- Rescue, Search, and Transport Operations: 1,000 €;
- Simultaneous Death of the Insured Person and Spouse: €15,000.
For the Civil Liability component, you can select different coverage limits based on the school's revenue and needs.
How do I purchase Surf School Insurance?
To purchase Surf School Insurance, you must provide information about the activity, including:
- Locations of the beaches where classes are held (up to three beaches);
- Number of boards used;
- Characteristics of the activity carried out.
With these elements, it is possible to present a solution tailored to the school's needs.
Check out the information HERE!
How much does Surf School Insurance cost?
The cost of Surf School Insurance depends on the number of surfboards used and the desired amount of liability coverage.
This flexibility makes it possible to tailor the insurance to the school's size and the volume of its activities.
What does Surf School Insurance cover?
Surf School Insurance provides financial protection in the event of accidents that occur while practicing the covered sports and covers liability for damages caused to third parties in connection with the school’s activities.
As a result, students and operating entities benefit from greater security, reducing the financial impact of any accidents and allowing activities to proceed with greater peace of mind.
Why purchase Surf School Insurance through R2 Seguros?
R2 Seguros offers specialized assistance in obtaining insurance for surf schools and other sports activities.
When you purchase a policy through R2 Seguros, you’ll enjoy the following benefits:
- Personalized counseling;
- Support throughout the entire hiring process;
- Assistance in the event of claim;
- Periodic review of coverage;
- Solutions tailored to your school's specific needs.
