Business Insurance for Pool Cleaners

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Swimming Pool Servicing
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Pool service insurance can help cover expenses if an employee gets into a car accident while driving to a client’s house, or if a customer trips over cleaning equipment and suffers an injury.

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Insureon helps pool cleaning businesses compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do pool cleaners need?

These policies provide coverage for the most common risks of pool cleaning.
General liability insurance icon

General liability insurance

General liability insurance protects pool cleaning businesses against common third-party risks, such as a client who trips over a pool cleaning net and sues your company.

  • Customer property damage
  • Slip-and-fall accidents
  • Libel and slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp is required in almost every state for pool cleaners that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial lost wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers injuries and property damage in an auto accident, as well as repairs to company vehicles damaged by weather or vandalism.

  • Damage and collision coverage
  • Injuries caused to another person
  • Theft of a pool cleaning company vehicle
Business owner’s policy icon

Business owner's policy

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

  • Customer injuries
  • Damaged customer property
  • Damaged or stolen business property
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance increases the policy limits of a pool cleaning company's general liability, commercial auto, and employer's liability insurance.

  • Customer injury lawsuits
  • Pool cleaning vehicle accidents
  • Lawsuits over employee injuries
Surety bond icon

Janitorial bonds

Janitorial bonds are a type of surety bond that protects pool cleaning businesses against losses caused by an employee’s dishonesty, such as theft of client property or money.

  • False accusations of theft
  • Property theft
  • Stolen money
Looking for different coverage? See more policies.

Why do pool cleaners need insurance?

Pool cleaning businesses face a variety of risks. Exposure to cleaning chemicals could injure an employee, a client could trip over a pool skimmer and file a lawsuit, or a dishonest worker could steal from a client. Pool cleaning insurance can cover these and other liability issues.

How much does insurance cost for cleaning professionals?

Woman with clipboard calculating cost of insurance for her cleaning business.

Several factors will have an impact on insurance costs, including:

  • Cleaning services offered
  • Business equipment and property, such as company vehicles
  • Revenue
  • Location
  • Number of employees
View Costs
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