Hot Tubs

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If you live in a region where low temperatures can be a problem, there’s also the chance that your tub could be damaged by the water freezing inside it. If that happens, it can be an unwelcome surprise to learn that your insurance company won’t cover those damages.

Hot tubs also likely require additional liability coverage. The biggest risk associated with any water-related activity is drowning. As with pools, to reduce this risk:

  • Always keep the hot tub covered when it is not in use
  • Do not serve or consume alcohol when in the hot tub
  • Always supervise children if they are using the hot tub

Hot tubs and pools can also leak and cause damage to your property. This is typically covered under a standard home insurance policy, but again it’s a good idea to verify your coverage with your provider before you fill that tub up.

A hot tub is generally considered an appliance, and would therefore be part of your property that is covered under your home insurance policy. The coverage for your hot tub would be similar to that of any other appliance, and would include damages that it may cause (for example, water damage from leakage) and not wear and tear. If the hot tub is damaged by a covered peril under your home insurance policy, the value of the hot tub itself is covered up to the limit set in your policy.

Liability insurance is considered essential for safeguarding your business and ensuring you don’t have to pay significant amounts for damages, but it’s not just about the money involved: by demonstrating to workers and customers that you have their safety and convenience in mind, you can develop trust and a stronger working relationship, as well as being able to provide documentation in cases where liability insurance is a legal requirement.