Pool and Spa Cleaning Services Insurance

You may need additional coverage to protect your pool maintenance business from a wide range of risks. Other types of insurance solutions bought by pool cleaners includes:

• Hired and non-owned auto insurance (HNOA): If you or your employees use personal, leased, or rented vehicles for work, you need HNOA coverage. Your personal auto insurance is unlikely to cover you for a work-related accident, such as visiting a client’s home or taking supplies to a jobsite.
• Errors and omissions insurance (E&O): Also called professional liability insurance, this policy helps cover the cost of a lawsuit if a client claims your work was inaccurate, late, or never delivered. For example, if you recommend a pool cleaning treatment that doesn't get the pool swim-ready by an agreed upon date and a client sues you, E&O would cover lawsuit costs.
• Cyber insurance: This policy safeguards small businesses from the high costs of a data breach or malicious cyberattack, such as a hacker gaining access to your customers' payment info and addresses. It covers expenses such as customer notification, credit monitoring, legal fees, and fines. This coverage is also referred to as cybersecurity insurance or cyber liability insurance.
• Commercial property insurance: Commercial property protects your building and its contents against financial losses from fires, storms, and burglaries. It's important to have commercial property coverage since homeowner's insurance provides little to no protection for business property.
• Inland marine insurance: If your business property is often in transit or stored at a location outside of your main business office, inland marine insurance will protect it from damage or vandalism. One type of inland marine is tools and equipment coverage. This is perfect for any equipment valued under $10,000 and less than five years old, like pool scrubbers.
• Business personal property (BPP) insurance: This policy covers your business personal property, which doesn't include buildings or offices. It protects your cleaning equipment while it's stored at a designated location, but you'll still need inland marine insurance for while it's in transit or at a jobsite.
• Pollution insurance: A type of environmental liability insurance, pollution liability insurance provides third-party coverage for pollution incidents, such as a chlorine or other pool chemical incident. This would handle healthcare costs, fines, and cleanup expenses. 

Some of the above coverages, such as HNOA and BPP coverage, can be added to your general liability policy as an endorsement.

It's easy to find cheap pool cleaning insurance that matches your unique risks and budget. One way is to review coverage options from different insurance companies, and with Insureon's easy online application you're able to get free quotes from several top-rated insurance providers.

There are a few other ways pool cleaning business owners can save, such as:

• Bundle policies. The most popular option is a business owner's policy, which pairs your general liability insurance policy with property insurance to save money.
• Customize coverage. You can choose lower limits, a higher deductible, or certain exclusions to save on your premium.
• Focus on safety. Fewer accidents mean fewer liability claims, which helps lower your insurance costs.

Learn more about how to find cheap business insurance for small businesses.