08/03/2019
https://www.businessinsider.com/swimply-lets-you-rent-swimming-pools-2019-7
Sounds like a great idea: Rent your pool, and make some extra money. If you don't have access to a pool, you can rent.
However, this is a potential nightmare for both the pool owner and the pool renter. Many home insurance policies have exclusions for commercial enterprises. That is, if you use your home for a money making purpose, your insurance won't cover claims related to that purpose, unless you specifically purchase additional coverage to cover that commercial enterprise.
The nightmare unfolds if a pool renter claims to be injured due to some sort of defective condition. Regardless of the merit of the case, it is likely your home insurance carrier will not cover the claim - no matter how small or big the claim may be. That means the pool owner could be personally liable for any and all damages, and that the pool owner might have to pay an attorney out of pocket to defend the claim.
As for the pool renter, assume there is a dangerous condition the renter did not know about and the renter is seriously injured - or worse. The renter may have tens of thousands of dollars in medical bills. Normally, if the renter was just a guest, insurance would likely be there to cover the possible claim. However, since the pool was being used for financial gain, the pool owner's insurance company will deny the renter's claim. In turn, the renter is either stuck with the bills, or forced to try and collect from the pool owner directly - which in most instances will be very difficult if not impossible. The more horrible the injury, the more difficult it will be to actually collect compensation.
Unfortunately, the first time people find out about a lack of insurance coverage is when a claim is filed. If you are a home owner, reach out to your insurance company about your coverages before opening your home to the general public for any purpose. As a renter, always ask to see proof of insurance coverage that would cover a commercial enterprise before using that property. In the perfect world, it would be "fine", but we see too many instances where there is no insurance to cover serious injuries, and the injured party is the one left holding the bag. Stay safe.
Currently the company offers access to pools in 20 states across the US, many of which cost less than $100 per hour to rent.