Member Insurance Benefits
IPSSA members have the opportunity to purchase group general liability and life insurance through Arrow Insurance Service. Each member is covered for one million dollars per covered claim with an annual aggregate limit of three million dollars; the life insurance limit is $50,000 for members under age 70.
The Arrow Insurance Service plan offers the service technician many benefits, including increased coverage for the type of claims most often faced by the pool service industry. A low $500 deductible applies to property damage claims and certificates of insurance additional insured endorsements are provided at no cost.
The following questions are some of the most frequently asked by IPSSA members concerning Arrow Insurance coverage. The answers to these questions are designed to provide general insurance information only and not intended to replace specific policy terms and conditions.
The Arrow Insurance Service plan offers the service technician many benefits, including increased coverage for the type of claims most often faced by the pool service industry. A low $500 deductible applies to property damage claims and certificates of insurance additional insured endorsements are provided at no cost.
The following questions are some of the most frequently asked by IPSSA members concerning Arrow Insurance coverage. The answers to these questions are designed to provide general insurance information only and not intended to replace specific policy terms and conditions.
Are claims for employees covered under the plan?
Yes, but all employees must be covered by the insurance plan and insurance premiums must be paid for each worker. Claims resulting from the acts of an uncovered employee will not be paid.
Are there any exceptions to the employee rule?
Yes. Spouses of members need not pay an additional premium under the group liability plan and minor children are covered without charge if working for the covered member parent. An employee need not be added, however, if servicing pools only temporarily, for example, while the member is vacationing.
Can I refer work to independent contractors?
Yes, provided that the independent contractor has general liability insurance with limits of at least $1,000,000. You must obtain a certificate of insurance and IPSSA should be named as an "additional insured". Each chapter should consider keeping a file of often-used subcontractors, thereby eliminating the need for each member to secure proof of insurance.
I'm considering getting involved in the pool and spa building trades. Does this insurance plan provide coverage?
Construction activities are excluded from coverage under the group insurance program. Pool building and remodeling presents hazards beyond that which the pool technician regularly encounters. Our very low rates are not adequate to include construction coverage on the IPSSA plan. Arrow Insurance Service offers additional coverage for pool construction at an additional cost.
Members involved in remodeling work can add optional remodeling coverage, however, with rates beginning at just $27 per month. Call Arrow Insurance (800)833-3433 for details.
Members involved in remodeling work can add optional remodeling coverage, however, with rates beginning at just $27 per month. Call Arrow Insurance (800)833-3433 for details.
Am I covered for pool inspections?
Yes, however coverage is limited to $50,000 for damage to property. Pool inspections are more complex than many appreciate and should be performed only by qualified individuals.
Are there any limitations concerning vinyl-lined or fiberglass pools?
Members servicing fiberglass or vinyl lined pools should be aware that damage to the liner is not covered if the damage occurs from the draining of water. Other damage resulting from water drainage, however, will be covered as usual.
What is the most common type of claim reported by pool technicians?
Water damage resulting from failing to turn off a fill hose is the most common type of claim reported. Damages typically range from a few hundred to many thousands of dollars. In one case, over $250,000 was paid when overflowing water caused damage, to a home. Members are encouraged not to add water to pools. If water must be added, we suggest leaving your keys on the hose bib until the pool is filled.
Am I covered if a house burns down due to my negligence in fixing a heater?
Yes. Coverage is provided for property damage resulting from fire, if the damage was due to your negligence. Coverage is provided for up to one million dollars coverage following the $500 property damage deductible.
What if I am sued in small claims court?
Notify Arrow Insurance by mailing or faxing us the legal documents. Attorneys are not permitted in small claims court so you will be defending yourself in this action. Bring any witnesses and all documentation which supports your argument that you were not at fault. If you are in California, you have the right to appeal a judgment against you, but the appeal must be filed within a specified time limit. Check with the court clerk if in doubt.