Pool cleaning contractors clean pools and pool filters, vacuum pools, and perform general upkeep and maintenance (e.g., adding chemicals). They may also repair pool heaters and other parts and accessories.
Despite your best efforts to ensure the safety of your customers and your employees, one mistake or unforeseen event could be disastrous.
But pool cleaning contractor insurance can help you mitigate your risks and protect your business. You need an experienced independent insurance agent to help you assess your risks and find the right business insurance policies from highly rated insurers.
Why Do You Need Pool Cleaning Contractor Insurance?
A single mishap like a client accusing you of failing to deliver services as promise, or a worker damaging a customer’s property, could lead to the loss of everything you’ve worked to accomplish with your pool cleaning business. If a customer simply trips and falls over your equipment, or worse, excessive pool chemicals seriously injure a swimmer, you could face negligence claims, lawsuits, and devastating financial losses.
As a pool cleaning contractor, you face numerous other risks as well. Your employees can be injured while working. Or your office, storefront, or workshop could be damaged by vandalism, theft, or a severe weather event. What’s more, your expensive tools and equipment could be lost or stolen while you’re working at a customer site, and your employees can be involved in auto accidents while traveling from job to job.
Business insurance helps you mitigate the costs related to employee injuries, equipment and materials damage, motor vehicle accidents, and more. Because every pool cleaning contractor is unique, your insurance needs will be determined based on the size of your company, the number of employees you have, and the type of work that you do.
Liability Insurance for Pool Cleaning Contractors
Pool cleaning contractors need a package of insurance policies tailored to the unique risk exposures of their industry.
First, you need general liability insurance for occasions in which your business is negligent and causes bodily injury or property damage to a third party.
Your commercial general liability (CGL) policy protects you in the event of third-party lawsuits, with coverage for attorney fees, court costs, settlements, and judgments up to the limits of your policy. CGL insurance would respond when a customer claims you damaged their property while cleaning a pool, or if an employee uses the wrong chemicals and causes an injury.
CGL policies also usually include products-completed operations liability insurance that responds if you’re sued because the work you’ve done causes injury or property damage after it’s been completed. Completed operations insurance covers your liability for property damage or injuries to a third party once contracted operations cease.
What Other Types of Liability Insurance Do Pool Cleaning Contractors Need?
It’s a necessity for pool cleaning contractors to own multiple trucks or other vehicles to transport tools, equipment, and workers to and from job sites.
- If you own trucks or other vehicles, commercial auto insurance covers your owned vehicles and drivers in the event of an accident or other vehicle damage that occurs. Commercial auto insurance provides coverage for property damage and bodily injury liability claims, vehicle damage, and medical bills, as well as any costs related to lawsuits due to auto accidents involving your vehicles.
You may want to talk to your independent insurance agent about your need for excess liability, or commercial umbrella insurance.
- Commercial umbrella insurance: This provides an extra layer of liability protection to any of several other liability policies you might have. Commercial umbrella insurance kicks in when the limits of your other applicable insurance policies have been exhausted, protecting you in the event that a claim exceeds the amount of coverage available from any other applicable policy.
Property Insurance for Pool Cleaning Contractors
Pool cleaning contractors need to protect their valuable property and equipment.
- Commercial property insurance: This covers your office space, storefront, warehouse, workshop, or other buildings and their contents for losses due to fire, theft, vandalism, weather events, and more.
- Property insurance also typically includes loss of income coverage, or business interruption insurance. It reimburses you for lost income and helps pay for certain ongoing expenses if you are temporarily unable to operate due to a covered loss (fire, storm, etc.).
- Inland marine insurance: This is another form of property insurance that protects your equipment, tools, portable computer equipment, and other supplies from theft, loss, or damage while they are in transit to and from worksites.
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Why Do You Need Workers’ Compensation Insurance?
Pool cleaners can be highly susceptible to work-related injuries. Back injuries, hernias, cuts, bug bites, sprains, and strains can be common among your workers. They also work with chemicals that can irritate the lungs, skin, or eyes.
You need workers’ compensation insurance to help employees who are injured on the job.
Workers’ compensation insurance provides coverage for medical expenses and lost wages for injured workers. Business owners are required to carry workers’ compensation insurance to protect their employees. Specific coverage requirements vary by state.
Other Insurance Policies for Pool Cleaning Contractors
An independent insurance agent can help you determine if you need the following additional policies or types of coverage.
- Flood or hurricane insurance: Your basic commercial property policy does not cover flood or hurricane damage. Talk to your agent about flood and hurricane insurance if you live in an area that is prone to these events.
- Employee crime and dishonesty coverage: This protects your business from the costs of theft, dishonesty, and fraudulent acts committed by an individual employee or a group of employees. It provides coverage for forgery, alteration, theft, unauthorized electronic funds transfers, credit card fraud, computer fraud, money order fraud, and counterfeit fraud.
- Utility interruption coverage: This provides income protection if you are unable to operate due to a covered utility (water, electrical) interruption.
- Employment practices liability insurance: This policy offers coverage for claims of employment-related discrimination by prospective, current, or former employees.
How Much Does Pool Cleaning Contractor Insurance Cost?
In general, insurance costs for pool cleaning contractors will vary depending on the size of your business, the number of employees you have, the amount and value of your tools, equipment, and inventory, the location of your business, the risks involved with the services you provide, and a variety of other variables.
An independent insurance agent can guide you though your options so you get coverage that meets your needs and budget.
Benefits of an Independent Agent
Our agents simplify the search process for finding the right pool cleaning contractor insurance. They’ll walk you through the handpicked policy options and explain the details.
Most importantly, they’ll be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
The Lowdown on Online Quotes
Online quotes can be tempting. They are fast and easy to get — but are they accurate? And are you getting quotes for the right coverage? For business owners, choosing speed over accuracy can cost you.
Online quotes can’t and don’t see the whole picture. They can omit important coverage that will leave you devastated if something unexpected happens. And they can leave out cost-saving opportunities that an agent can help you take advantage of.
Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.
TrustedChoice.com Article | Reviewed by Paul Martin
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