Our Swimply Protection Guarantee is our commitment to our hosts and guests to make things right in the event that something goes wrong during a U.S.-based Swimply reservation. We want to provide hosts and guests with the peace of mind that they will be taken care of in the rare event of a guest injury or property damage.
At this time, our Swimply Protection Guarantee is offered at no additional charge to hosts or guests.
Two programs help protect both hosts and guests:
- Host Liability Insurance - Hosts are eligible for up to $1,000,000* of applicable insurance-backed coverage (by Markel, an A-Rated Insurance Carrier) when a guest is injured during a Swimply reservation. The program provides protection in the unfortunate event that a guest files a lawsuit or claim against a host for bodily injury that occurs during a Swimply reservation . The coverage also may cover any defense costs in the event of a legal dispute for which Swimply and Swimply’s registered hosts are legally liable.
- Property Damage Protection - Hosts are eligible for up to $10,000* if a host’s pool or property is damaged during a Swimply reservation and the guest is unwilling or unable to pay for the damages.
*All claim reimbursements may be subject to a contribution of $250 by the host for a reservation with 10 or fewer guests, and $500 by the host for a reservation with greater than 10 guests.
- Pool-related injuries to guests during a Swimply booked for and paid reservation*
- Grill-related injuries to guests during a Swimply booked for and paid reservation*
- Damages to the host’s pool, pool equipment, outdoor furniture, or grills that are rented out during a Swimply reservation
*Applies to U.S.-based reservations only. Canada and Australia reservations are not currently covered by our Host Liability Insurance, although we are looking to extend these protections in the future.
What's not covered?
- Injury or damage that arises outside the times of a booked and paid for Swimply reservation
- Damage to a host’s property caused by a host’s own pets, children or others residing in the host’s home
- Injuries to pets during a Swimply reservation
- Injuries or losses arising from liquor liability
- Injuries related to the use of swings, trampolines or bounce-house/inflatables
- Losses arising from a manufacturer’s or a product’s defects, or from pre-existing damages or conditions of the item or property, normal wear and tear, or deterioration
- Losses arising from theft or stolen property
- Losses arising from intentional acts, including but not limited to: (i) assault and battery, (ii) sexual abuse or molestation, (iii) identity theft or fraud
- Losses arising from operation of any vehicle getting to or from a Swimply reservation.
- Losses arising out of acts of nature, including but not limited to: pollution, earthquakes, and weather-related events such as rain, wind, etc
- Losses arising out of communicable diseases, bacteria or microorganisms of any type, nature or description, including but not limited to any substance whose presence poses an actual or potential threat to human health
- Losses not reported within 72 hours of the date of the reservation or without sufficient documentation
Is the Swimply Protection Guarantee an insurance program?
Our Swimply Protection Guarantee is an agreement by Swimply to protect hosts and guests, enforceable in accordance with Swimply’s Terms of Service.
- This program does not replace a host’s homeowners policy, but rather is designed to provide insurance-backed coverage not typically afforded by a homeowners policy. These guarantees are provided at no additional charge, for all reservations booked and paid for on the Swimply platform.
- For property damage, guests sign under Swimply’s Terms of Service that they are responsible to pay for any property damage to a host’s property, but in the event of a dispute or inability to collect, our program’s applicable coverage may kick-in. We want to make sure that no matter what, you have peace of mind during a Swimply reservation.
These programs should not be considered as a stand-in for homeowners insurance.
Depending on the nature of the claim and the amount of the claim, reimbursement under the Swimply Protection Guarantee may be paid out of Swimply’s own pocket. Swimply reserves the right to refer claims to our insurance carrier for claims handling.
Before filing a claim for reimbursement:
For small claims, issues are often best resolved by reaching out to the other party. Before filing a claim for reimbursement under the Swimply Protection Guarantees, try contacting the other party through our secure messaging platform. If you're unable to come to an agreement informally, please contact Swimply Customer Care claims team at: email@example.com.
We can often help resolve claims related to injury or property damage caused during a Swimply reservation, including contacting the responsible party and helping with settlement. For this reason, we ask both hosts and guests to notify us as soon as possible after an incident occurs.
If you have insurance that may cover some or all costs arising from an injury or damage arising during a Swimply reservation, such as your health insurance or homeowner’s insurance, you should file a claim under that policy before seeking reimbursement from Swimply.
What is the term period for the Swimply Protection Guarantee?
The current term of our program is April 15, 2021 to March 31, 2022.
Am I eligible to file a claim?
To qualify, the injury or property damage must have occurred during a U.S.-based Swimply reservation and have been fully booked and paid for on Swimply. If guests used additional amenities that were not paid for through Swimply, or brought extra guests to the reservation without including them in the reservation, this may invalidate the eligibility of the claim. Hosts and Guests must not be in violation of any of the Terms of Service.
How do I submit a claim for reimbursement?
Contact our Community Care claims team at firstname.lastname@example.org. We'll guide you through the claims process. Keep in mind we must be notified within 72 hours of the end of the reservation.
We'll reach out to everyone involved to gather as much information as possible, including a verbal and/or written statement from each party. These documents will play a key role in the review process.
What do I need to submit with a claim?
Make sure to submit:
- Any video or photo evidence of the injury or property damage, and any other relevant documents
- Any communications between host and guest related to the injury or property damage
- We strongly encourage keeping all communications within our secure messaging platform to keep you safe and expedite our investigations
- If relevant, any police reports related to the injury or damage that occurred during the Swimply reservation
- For injury, any medical bills or other relevant bills or documents
- For property damage, evidence of replacement or fair market value, or repair estimates
- A completed property damage claim form must also be submitted which can be found here
All documentation must be submitted within 7 days of the reservation. Once we've received these documents, our claims team will review to determine eligibility. Should we have additional questions, we may follow up with either party.
What happens after I submit my claim?
For property damage claims
We’ll reach out to the other party to understand the full narrative, negotiate the issue, and agree to payment and any other terms related to settlement.
If the guest is deemed responsible, we’ll charge the guest’s credit card or otherwise attempt to collect payment, and transfer the payment to you with no fees.
If the guest is not deemed responsible or we are unable to collect payment from the guest, our Property Protection guarantee will then kick in for eligible claims.
For claims related to bodily injury
We’ll reach out to the other party to understand the full narrative. We’ll review all documentation submitted.
For small claims that are not covered by the guest’s health insurance or host’s homeowners insurance, reimbursement under the Swimply Protection Guarantee Program may be paid out of Swimply’s own pocket.
For larger claims, this may be referred to our insurance carrier to process and pay out the claim. An adjuster on behalf of Swimply will get in touch to discuss the claim and gather information.
How long does the reimbursement claims process take?
The process may vary. We'll work as quickly as possible with hopes of resolving all claims within 30 days of receiving all appropriate documentation.