When must a Big Blue Swim School franchisee's insurance policies be in effect?

According to the 2025 Big Blue Swim School FDD, a franchisee must maintain workers' compensation insurance coverage for their employees during training. Before any training program begins, the franchisee is required to provide Big Blue Swim School with proof of this insurance coverage.

This requirement ensures that all employees participating in training are covered in case of any work-related injuries or incidents during the training period. It is the franchisee's responsibility to accurately pay their employees during training, including wages, benefits, and travel and related expenses (TRE). Big Blue Swim School will provide information regarding the number of hours employees are actively involved in training, but the franchisee is responsible for evaluating any additional information needed to ensure accurate payment.

For a prospective Big Blue Swim School franchisee, this means that securing and providing proof of workers' compensation insurance is a mandatory step before commencing any employee training programs. Failure to provide this proof could potentially delay or prevent employees from participating in the training, which could further delay the school's opening. The franchisee should factor in the costs of this insurance when budgeting for employee training and ensure timely compliance with this requirement to avoid any disruptions.