Can a swim coach be sued?

I started thinkng about this after swimming this morning at ASU and once again seeing that the 3 guards on duty were not in any of the chairs but instead were in the office texting and playing on duty. So what happens if God forbid a swimmer is injured or dies in workout (I guess even if the guard is on duty)...can they sue the coach? I know USMS has an insurance program for clubs and being to lazy wonder is anyone knows if it covers this? I also wonder how many paidand/or volunteer coaches have any type of contract for this sort of thing?
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