$5 Million Host Protection
Every Aquastar booking is backed by our comprehensive insurance coverage. Sleep soundly knowing you're fully protected while making a community impact.
What's Covered
Our multi-layered protection system covers you from every angle
General Liability
Comprehensive protection for bodily injury and property damage that occurs during Aquastar-sanctioned sessions.
- Guest injuries on your property
- Property damage claims
- Legal defense costs
- Medical payments coverage
Professional Liability
Protection for claims related to professional services provided by Aquastar instructors and therapists.
- Instruction-related injuries
- Therapy session incidents
- Professional negligence claims
- Errors and omissions
Property Damage
Coverage for damage to your pool, equipment, or surrounding property caused by Aquastar guests or instructors.
- Pool equipment damage
- Deck and patio repairs
- Fencing damage
- Landscaping restoration
📝 Important Note
All coverage is primary and applies before any personal homeowner's insurance. You're never required to file with your personal insurer first, protecting your personal rates and claims history.
Multi-Layer Protection System
Four layers of protection work together to keep you covered
Layer 1: Aquastar Shield
Our primary commercial general liability policy covers all host activities
Layer 2: Instructor Coverage
Each certified instructor carries their own professional liability insurance
Layer 3: Therapist Coverage
ICBC-registered therapists maintain individual malpractice coverage
Layer 4: Your Homeowner's
Your personal policy serves as additional protection if needed
Aquastar vs. Other Platforms
See how our protection compares to typical pool rental platforms
| Coverage Feature | Aquastar | Typical Platforms |
|---|---|---|
| General Liability Limit | $5,000,000 | $1,000,000 - $2,000,000 |
| Professional Liability | $2,000,000 Included | Not Included |
| Property Damage Coverage | $100,000 Included | Limited or Excluded |
| Primary Coverage | ✓ Yes | Often Excess Only |
| 24/7 Claims Support | ✓ Yes | Business Hours Only |
| Certified Instructors | ✓ All Background Checked | Varies |
| ICBC Partnership | ✓ Direct Billing | Not Available |
| No Claims History Impact | ✓ Yes | May Affect Personal Policy |
How to File a Claim
If an incident occurs, we're here to help you through the process
Report Immediately
Contact our 24/7 claims hotline: 1-800-AQUASTAR
Document Everything
Take photos, gather witness info, write down details
Claims Review
Our team reviews within 24 hours and assigns an adjuster
Resolution
Most claims resolved within 30 days
⚠️ Important: Report All Incidents
Even minor incidents should be reported within 24 hours. Early reporting ensures proper documentation and faster resolution. Failure to report promptly may affect coverage.
Insurance FAQ
Common questions about our coverage
No, you are not required to notify your personal homeowner's insurance. Our Aquastar Shield coverage is primary, meaning it responds first to any covered claim. Your personal policy remains unaffected by hosting activities. However, you may choose to inform your insurer as a courtesy - this is entirely up to you.
In the rare event of an injury, our $5M general liability coverage protects you. All Aquastar instructors are trained in emergency response and carry their own professional liability coverage. Report any incident immediately to our 24/7 hotline, and we'll guide you through the process. In 3+ years of operation, we've never had a host liability claim.
Yes, our $100,000 property damage coverage protects your pool equipment, deck, fencing, and landscaping from damage caused by Aquastar guests or instructors. This includes pumps, filters, heaters, pool covers, and surrounding structures. Normal wear and tear is not covered.
Absolutely! Whether you're hosting swim lessons (Educate), birthday parties (Celebrate), or ICBC rehab sessions (Heal), you're fully covered under the same Aquastar Shield policy. Each service type has the same $5M liability protection.
All Aquastar instructors carry their own $2M professional liability insurance. This covers instruction-related incidents and errors. Our general liability provides additional protection, ensuring multiple layers of coverage for complete peace of mind.
For most claims, there is no deductible for hosts. Aquastar covers the deductible as part of our commitment to host protection. In rare cases involving property damage claims over $10,000, a $500 deductible may apply, but this is clearly communicated before any claim is processed.
Yes, the Aquastar Shield policy covers you, your spouse or partner, and any family members living in your household in their capacity as hosts. Personal injuries to family members are covered under your personal health insurance, not the liability policy.
Our $5M coverage exceeds industry standards and covers the vast majority of scenarios. If you have specific concerns or unique circumstances, contact our Host Success Team to discuss your situation. We can provide guidance on whether additional coverage might be beneficial.
Host with Complete Confidence
Join 50+ Lower Mainland families who trust Aquastar's $5M protection while earning $3,000-$8,000+ monthly.
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