FAQ'S - POOL INSURANCE COVERAGE & PROTECTION
Explore our FAQ page for answers to common questions about pool insurance coverage, including liability protection, property damage, and maintenance requirements. From understanding policy options to tips on safeguarding your pool, our comprehensive FAQs provide the information you need to keep your pool secure and your peace of mind intact.
What is SPPA, and how does it support pool and spa professionals?
The Swimming Pool Pro Alliance (SPPA) is a dedicated alliance providing tailored general liability insurance and support to pool and spa professionals. We understand the unique challenges of the industry and offer comprehensive solutions for service and repair needs across the U.S., excluding New York.
What makes SPPA’s insurance program unique for pool professionals?
SPPA’s insurance program is designed specifically for pool and spa service and repair professionals. We provide coverage options that include pollution cleanup, pool pop-up protection, and key replacement, tailored to meet the unique demands of the industry.
What types of insurance plans does SPPA offer?
We offer three insurance plans: Gold, Platinum, and All Access Platinum. Each plan includes dedicated general liability limits, with higher coverage and additional benefits available in the All Access Platinum plan.
Is SPPA’s general liability insurance “A” rated?
Yes, SPPA’s general liability insurance is “A” rated, ensuring reliable coverage from proven industry leaders in niche insurance products tailored for pool and spa professionals.
What coverage limits are available under the SPPA insurance plans?
Coverage limits vary by plan, with the Gold plan offering $1 million per occurrence and $3 million general aggregate. The All Access Platinum plan provides even higher limits, along with additional coverage options for faulty workmanship and pollution cleanup.
What is pool pop-up coverage, and why is it important?
Pool pop-up coverage protects against incidents where a pool structure is damaged due to water pressure or ground movement. This coverage is critical for pool professionals who may encounter such risks in service or repair work.
Does SPPA cover remodel or construction work for pools and spas?
No, SPPA’s insurance program does not cover remodel or construction work. Our coverage focuses exclusively on pool, spa, pond, and fountain service and repair professionals.
How quickly can I get insured through SPPA?
Applicants can be insured within 24 hours, ensuring you have the coverage you need with minimal delay, including immediate access to certificates of insurance.
What additional benefits does the SPPA All Access Platinum Program offer?
The All Access Platinum Program includes exclusive benefits like life and disability insurance, discounts on billing software, website development, marketing services, telemedicine access, and discounted professional classes.
How does SPPA support pool professionals in staying compliant with industry standards?
SPPA offers discounted CPO, OSHA, and CPI classes, ensuring members can stay up-to-date with certification requirements and best practices for pool and spa service and repair.
What is the telemedicine service available through SPPA’s All Access Platinum Program?
SPPA provides MeMD Telemedicine for All Access Platinum members, offering free access for the first 12 months. Members and their households can connect with board-certified doctors via phone or video.
Can SPPA members access free certificates of insurance?
Yes, SPPA members receive free certificates of insurance, including additional insured, waiver of subrogation, and primary non-contributory wording within 24 hours, supporting fast and efficient business operations.
What marketing services does SPPA offer to help grow my pool service business?
Through Poolhouse Marketing, SPPA provides digital marketing services focused on helping pool professionals grow their client base, enhance their online presence, and retain current accounts through effective, hyper-local strategies.
What is organic pathogen coverage, and is it included in SPPA plans?
Organic pathogen coverage protects against certain bacterial or viral contamination issues. This coverage is available in SPPA plans, providing an extra layer of security for pool professionals who may face such risks.
Are there any discounts available when signing up for SPPA’s insurance plans?
Yes, SPPA offers discounts to groups, chapters, and patron groups. Additionally, All Access Platinum members receive exclusive sign-up discounts, waived alliance fees for current members, and more.
How does SPPA’s Lost Key and Lock Replacement coverage work?
This coverage reimburses pool professionals for the replacement of lost keys or locks, offering peace of mind when dealing with client property and enhancing customer trust in your services.
What options are available for businesses of different sizes?
SPPA offers flexible insurance plans suitable for small and large businesses, each with dedicated policy limits and comprehensive coverage options tailored to individual needs.
How can SPPA help pool professionals save on equipment and tools?
SPPA members enjoy discounts on pool poles, tools, and supplies, helping to reduce operational costs. Members also have access to distribution reward programs for further savings on essentials.
What financial and bookkeeping services are available to SPPA members?
SPPA offers bookkeeping discounts, financial consulting, and design and printing services at a discounted rate, providing pool professionals with the resources they need to streamline and grow their businesses.
How do I get started with SPPA’s general liability insurance?
Getting started with SPPA is simple. You can apply directly on our website or contact us to discuss your specific needs. We’ll guide you through the options and help you select the best plan to protect your pool service business.