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As a small business in the swimming pool service industry, you provide a beautiful and relaxing environment for your customers every day. The increasing numbers of new home builds and home renovations will require more and more swimming pool service contractors like you. This is an exciting time to own a swimming pool service company. Let us help you protect your small business with the best possible pool service insurance.
Helping your swimming pool service clients keep their pools in tip-top shape may seem pretty straightforward, but insurance for a pool service business must cover all of your exposures–and there are a multitude of those–to fully protect your company. Whether you offer pool cleaning for commercial swimming pools or are a pool cleaner for residential homes, you need coverage.
Keeping your clients’ pools safe and enjoyable requires more than just cleaning filters and pouring chemicals. If you make repairs, offer cosmetic repair services, service heating units, or any other ancillary services, your pool service insurance plan needs to provide coverage for those risks.
It may be tempting to limit your coverage to cut costs for your small business, but providing the security your pool service company needs to continue to operate—and grow in the future—should be the foundation of your business plan.
General Liability Insurance (also called “slip and fall” insurance) is the #1 policy we recommend for any company. Unfortunately, life is full of unseen and unplanned events. Having general liability insurance will protect your business from a variety of claims including:
Secondly, your clients may require that you obtain commercial insurance coverage before hiring you as their pool cleaner.
Example: You’re emptying and resurfacing a pool for a client. You have tools and equipment around the pool for the work. Your client comes out to see how the process is going and accidentally trips over a hose. Unfortunately, they fall into the empty pool and break their arm. Your general liability coverage should step in to cover their medical expenses. It will also provide legal defense and a settlement if they sue you.
What other insurance do we recommend for business owners? Here are some other options:
Several factors impact how much a business insurance policy will cost a pool cleaner:
The average price of a $1,000,000 per occurrence/$2,000,000 aggregate general liability insurance policy for a pool cleaning business ranges from $28 to $48 per month or between $500-$1,500 per year.
Even though the methods may be the same as other companies, your spa or pool servicing business is unique, and your clientele will be, too. Your insurance policy should be put together with that in mind, and ideally, your relationship with your insurance agent will allow for communication about future growth and gauging the expansion of your insurance accordingly, so that your business can thrive as new opportunities present themselves. Call us today at 1-877-907-5267 to speak with one of our specialists about your business insurance needs, or complete the form above to get a free, quick, competitive quote on insurance for your pool cleaning business.
Related Articles: Professional Liability Insurance, Cleaning Business Insurance
Additional Insured Coverage: | YES |
Free Certificates: | YES |
Multiple Payment Options: | YES (Pay in Full OR Payment Plans) |
Low Down Payments: | YES (Flexible Payment Options) |
Coverage Limit Minimum: | $2,000,000 / $2,000,000 / $1,000,000 |