I am coaching a summer league team (non USA Swimming) next year and would like to have a professional liability policy to cover me. This is proving difficult. My homeowners umbrella won't cover it. The various companies out there that insure "fitness" professionals specifically exclude coaching of a competitive team. The HOA policy for the pool wants $700 to add me, which is pretty high.
I am wondering if anyone out there can provide direction on this matter for me?