In my town EVERYTHING metal must be bonded--unless it's not attached, like a solar reel.

But my ladder, my drop-in steps handrails, the pool structure, cross members ALL had to be bonded, as well as, of course, the pump.

Codes don't always make sense but they always must be obeyed to the inspector's satisfaction (!).

Insurance companies won't pay a claim if you needed a building permit and didn't get one. It's as simple as that. If you have an "outlaw" pool and someone gets hurt, Ol' Indemnity Plus will let you swing in the breeze.