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.
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.
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.
Commercial auto insurance covers injuries and property damage in an auto accident, as well as repairs to company vehicles damaged by weather or vandalism.
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.
Commercial umbrella insurance increases the policy limits of a pool cleaning company's general liability, commercial auto, and employer's liability insurance.
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.
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.