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Business Insurance for Pool Cleaning Services

Business Insurance for Pool Cleaning Services

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As a provider of pool cleaning services, your business may face a number of risks, from the chance that your employees accidentally damage someone else’s property in the course of their work to the possibility that the driver of one of your company’s vehicles may be at fault in a serious accident. Having the right insurance coverage can help your company weather any unforeseen setbacks and provide you and your employees with valuable financial support.

What insurance coverage do I need for my pool cleaning business?

There are many types of insurance coverage to consider, but these policies are particularly relevant to pool cleaning companies:

General Liability Insurance

General liability insurance covers accidental third-party bodily injury, property damage, personal injury, or advertising injury. This coverage provides financial protection against accidents that may result in someone else becoming injured or someone else’s property being damaged. If your employee unintentionally damages customer property or if a client is injured on your business property, your company could be held liable and sued. Having general liability insurance in place can help your business pay for the legal fees, settlements, judgements, and even medical payments that may arise out of accidental third-party injury or property damage.


Workers’ Compensation Insurance

Workers’ compensation insurance is an important coverage for businesses whose employees may be exposed to potential physical injury in their jobs. Workers’ comp provides medical and financial benefits for employees who suffer occupational injuries or diseases, and it also provides death benefits for surviving dependents in the case of an employee death.

For most companies, workers’ comp is a required coverage. Depending on the state that your business is in, regulations and laws may differ, but in general, almost every state requires businesses that regularly employ others to carry sufficient workers’ comp coverage. It’s important to make sure your business has adequate coverage per your state guidelines. Penalties for non-complying companies can be costly, and in some states, violations may be charged as criminal offenses, punishable by imprisonment.


Commercial Auto Insurance

If your business owns or leases one or more vehicles titled under the business’s name, you’ll need to purchase commercial auto insurance. If you or your employees are at fault in a collision while driving a company vehicle, commercial auto insurance will cover medical costs if the other vehicle’s occupants are injured as well as paying for damages to the other vehicle. Commercial auto insurance also covers your vehicles if they are physically damaged or lost due to theft, vandalism, collisions, or other hazards. 


Commercial Property Insurance

Commercial property insurance is an important coverage to consider if your company works from an office or has a retail storefront. This insurance protects the value of your business’s property, including buildings, computers, furniture, equipment, inventory, and other items. In the event of an unexpected disaster, it can be difficult and expensive to recover from the loss on your own. Commercial property insurance can help by providing funds to replace or repair damaged business property in the event of a fire, storm, explosion, or other covered peril.

Commercial property insurance covers the following:


Inland Marine Insurance

Inland marine insurance provides financial protection for property that does not remain at a fixed location and is not covered by a standard commercial property policy. If your pool cleaning company relies on specialized, high-value equipment that you transport from location to location, you may need inland marine insurance to cover this equipment. Inland marine insurance will protect your property no matter where it is. 


Additional Coverage

Pricing and Quotes

Pricing for business insurance will vary based on the type of insurance coverage and the risk profile of your business. Insurers consider factors such as:

Businesses with higher risks will have higher premiums than those deemed lower risk. For example, a pool cleaning business with a history of frequent claims will face higher premiums. Premiums also rise as you increase the limits of insurance. Different insurance companies have different models for rating risks, so it is worth comparing pricing across different insurers.

In order to get an accurate estimate on pricing, it’s best to get a quote from a reputable insurance company. Below we’ve highlighted a few of our trusted partners who offer coverage for a variety of cleaning businesses:

ProviderGeneral LiabilityProfessional LiabilityBusiness Owner's Policy

Final Word

There are many risks associated with operating a pool cleaning business, from property damage and physical injuries that may occur during the course of your work to hazards such as fires. To protect your company, it’s a good idea to obtain a comprehensive range of insurance that will provide financial assistance in the event of unexpected incidents. When you have the right insurance for your business’s needs, you and your clients will feel confident in the knowledge that your company would be able to cope with any major setbacks.

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