Episode 118: What is General Liability Insurance and Why You Need It with Danielle Bahr of SPPA
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In this episode, we sat down with Danielle Bahr who is the Director of the Swimming Pool Pro Alliance (SPPA) in Temecula, California to discuss general liability insurance. Most businesses out there, have some sort of LLC or Corporation protecting their personal assets. That is very important, but what happens if an incident occurs or an accident happens? Who is going to pay for that? That is where general liability insurance comes in! Danielle walks us through what it is exactly and why you need it for your business. We discuss what you should be looking for in a policy, some of the most common claims, what is not covered, and how to file a claim if you should need to do so. Danielle has been around the industry since birth, and her knowledge of it really shows through what SPPA has to offer to you as a Professional.
SPPA is an alliance dedicated to the niche insurance needs of the pool and spa professional industry. Their mission is to make sure you as a customer are not only getting the best customer support but also have the peace of mind that your alliance is your voice, and always fighting for your program and insurance needs. Through the program, they have tailored and customized three insurance options that you can pick from. They take pride in listening to their members and with over 30 years of encompassing the Pool and Spa industry, they know the needs of Pool and Spa Professionals. After listening to the episode, fill out an application to see if they are the right fit for you!
Show Notes
[01:20] An introduction to Danielle Bahr
[09:03] How Danielle’s insurance business developed from growing around pools
[20:57] Building a career as a woman in a male-domanted industry
[25:18] What is general liability insurance and what does it protect?
[31:28] What general liability insurance does not cover
[38:26] Dealing with policyholders who may be trying to take advantage of the insurance
[40:49] Training your employees correctly to minimize claims
[46:07] The process of filing a claim
[48:39] What should people be looking for in an insurance policy?
[57:01] The deciding factors between the Silver, Gold, and Platinum programs
