Swimply Protection Guarantee – Swimply

Swimply put, 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 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 to bookings that take place in the US, Canada, and Australia.

Three programs help protect both hosts and guests:

US and Canadian Host Liability Insurance - Hosts are eligible for up to $1,000,000 of applicable insurance-backed coverage (by Evanston Insurance Company, 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 covers any defense costs in the event of a legal dispute for which Swimply and Swimply’s registered hosts are legally liable.

Our host liability insurance is primary and covers you on all your Swimply bookings, even when your homeowners insurance may not.
Australian Host Protection Guarantee – Hosts are eligible for up to $1,000,000 AUD of coverage 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.
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.

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US and Canadian Host Liability Insurance and Australian Host Protection Guarantee

US and Canadian Host Liability Insurance:

US and Canadian hosts are eligible for up to $1,000,000 of applicable insurance-backed coverage* 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.

* Subject to the policy's annual aggregate, terms, conditions & exclusions

Australian Host Protection Guarantee:

Australian hosts are eligible for up to $1,000,000 AUD of coverage 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.

What's covered?

Injuries to Guests that occur while on the Host’s private premises during a Swimply booked and paid for reservation.
- - - Reservations include both Swimply pools and spaces
    - Diving board injuries are covered but the diving board must be no higher than 3 feet, and only if the pool has a minimum diving well depth of 7.5 to 9 feet and minimum measurements of 16 feet wide and 32 feet long
    - Swimming pool slide injuries are covered but slide must be embedded into a hill
    - Grill-related, fire pit, fireplace, outdoor heater, or patio heater injuries to Guests during a Swimply booked and paid for reservation if operated in accordance with our Terms of Service.
      - For Grills, Hosts must warrant that the equipment is in excellent working condition, has been inspected in the last 30 days, and will not pose any threat to the Guest but for Guest’s own misuse. Furthermore, you must provide the Guest with instructions for safe and lawful use of the equipment either through the Swimply Platform or appropriate signage on premises.
        
        For fire pits, fireplaces, outdoor heaters, or patio heaters Hosts are required to maintain all heating devices subject to the manufacturers specifications and must provide guests with user manuals for all heating devices.

What's not covered?

Injuries that arise outside the times of a booked and paid for Swimply reservation
Injuries or losses arising out of the consumption of alcohol*
Injuries related to the use of swings, trampolines or bounce-house/inflatables
Injuries to pets during a Swimply reservation
Injuries arising from intentional acts, including but not limited to: (i) assault and battery, (ii) sexual abuse or molestation
Injuries arising from operation of any vehicle getting to or from a Swimply reservation.
Injuries arising out of acts of nature, including but not limited to: pollution, earthquakes, and weather-related events such as rain, wind, etc
Injuries 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
Injuries or losses that arise when in violation of any of the Terms of Service.

*Neither Swimply nor a Swimply Host can be held liable if injury occurs to a Guest during a Swimply reservation if the Guest or a member of the Guest's party was consuming alcohol or was under the influence of alcohol at the time of the incident.

The Claims Process:

First gather evidence of the injury (photos, videos, medical reports and bills, etc.)
Please contact our Community Care team within 7 days of the reservation. Please detail the nature of the injury along with:

- Any video or photo and medical evidence of the injury, pertinent medical bills, and any other relevant documents.
- Any police or medical reports related to the injury that occurred during the Swimply reservation.
- Your name, the Swimply reservation date and time, the address of the reservation, name of the Hosts if known, if you were not the booking Guest, the name of the Guest who booked the reservation, and all attending guest information.

For small claims that are not covered by the Guest’s health insurance, reimbursement under the Swimply Protection Guarantee Program may be paid out of Swimply’s own pocket.

For larger claims in the US and Canada, this may be referred to our insurance carrier to process and pay out the claim. An adjuster will get in touch to discuss the claim and gather information.

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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.

Property Damage Protection isn’t an insurance policy. Property Damage Protection isn’t related to Host liability insurance.

All Property Damage claim reimbursements are subject to a claims deductible of $250 for a reservation with 10 or fewer Guests, and a claims deductible of $500 for a reservation with greater than 10 Guests.

We use Actual Cash Value (ACV), the item's current market cost minus depreciation, to determine the amount of the claim. An item's depreciated value is based on how old the item is, and how much useful life it has left at the time of the loss.

*Australian property damage protection in AUD.

What's covered?

Damages to the Host’s pool, pool equipment, outdoor furniture, grills, fire pits, fireplaces, outdoor heaters, or patio heaters, or the physical portion of the Host’s private premises that are rented out during a Swimply reservation. Private premises are defined as the outdoor rented area, the bathroom guests are granted access to, and the physical space in between.
Labor and installation costs if required to return the damaged item to its original state.

What's not covered?

Damages that arise outside the times of a booked and paid for Swimply reservation
Damages to a host’s property caused by anyone residing in the host’s home, including pets, and any invited or non invited guests who are not part of the reservation
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 identity theft or fraud
Losses arising out of acts of nature, including but not limited to: pollution, earthquakes, and weather-related events such as rain, wind, etc.
Items not directly damaged. This includes requests for reimbursement for continuous flooring, counter tops, or outside areas in order to maintain an aesthetic appeal. If part of these areas are damaged, we will reimburse the square footage of the damaged space only.
Replacement costs if repair is possible and costs less.
Damages that arise when in violation of any of the Terms of Service
Income lost during repairs, including, but not limited to, lost income due to any cancelled, lost, or declined bookings.

The Claims Process:

First gather evidence of the damage (photos, videos, estimates for repairs or cleaning, and/or receipts).
Contact the guest through our secure messaging platform to attempt to resolve the matter directly. It's important to preserve all evidence even if you end up resolving the claim with the guest directly.
If you're unable to come to an agreement with the other party, please fill out a Property Damage Form found here within 72 hours of the reservation and make sure to submit:
- - Any video or photo evidence of the property damage and any other relevant documents
  - Communications or attempted communication between host and guest related to the 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 damage that occurred during the Swimply 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. All submitted documents will play a key role in the review process.

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