Pool and Spa Cleaning Services Insurance

Swimming Pool Cleaning & Maintenance
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Why do pool and spa cleaners need insurance?

Pool cleaning is risky, which is why you need protection. An employee could get splashed by cleaning chemicals, or a client could trip over a pool skimmer and break an ankle. Pool cleaning insurance helps cover medical bills, legal fees, and other expenses that could otherwise sink your business.

Pool cleaner collecting debris from a client's pool.
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Find affordable coverage

Pool cleaners can save money by comparing quotes from top insurers.

Fill out Insureon's easy application to get free quotes and advice from a licensed insurance agent.

What types of business insurance do pool and spa cleaners need?

These insurance policies cover the most common risks of pool and spa cleaning services businesses.
General liability insurance icon

General liability insurance

A general liability insurance policy protects pool and spa cleaning businesses against basic risks, such as a lawsuit from a homeowner who tripped over a net and suffered an injury.

  • Customer property damage
  • Customer bodily injuries
  • Libel and other advertising injuries
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for pool and spa maintenance businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers financial losses caused by an auto accident. It's required for vehicles owned by a pool cleaning business.

  • Property damage caused by your vehicle
  • Injuries caused to another person
  • Theft of a pool cleaning company vehicle
Business owner’s policy icon

Business owner's policy

Small pool and spa cleaning companies may be eligible for a business owner's policy (BOP), which combines general liability coverage and commercial property insurance at a discount.

  • Customer injuries and property damage
  • Pool cleaning equipment coverage
  • Business interruption coverage
Umbrella / excess liability insurance icon

Commercial umbrella insurance

This type of insurance coverage boosts the limits on several policies, including general liability, commercial auto, and employer's liability insurance.

  • Medical payments from a car accident
  • Customer injury lawsuits
  • Employee injury lawsuits
Surety bond icon

Janitorial bonds

Janitorial bonds are a type of surety bond that protects against employee dishonesty. They provide reimbursement if an employee steals client property from a job site.

  • Property theft
  • Stolen money
  • Other theft or fraud
Looking for different coverage? See more policies.

How much does insurance cost for cleaning businesses?

Cleaning professional calculating cost of insurance for their business.

A small business with a few cleaners will pay less for insurance than a large company.

Factors that affect premiums include:

  • Cleaning services offered
  • Business property and equipment
  • Business income
  • Types of coverage purchased
  • Policy limits and deductibles
View Costs

State insurance requirements

How do I get pool service insurance?

It's easy to get pool and spa cleaning business insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your pool service company, whether you work independently or hire employees.

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