Business Auto Insurance for Pool Cleaners
A pool cleaner must travel to carry out the duties of his job. Traveling from one client’s house to another is a common daily event for residential pool cleaners for example, and commercial cleaners must travel from one corporate location to another. Increased driving puts your company at a greater risk of having an auto accident. That is why carrying business auto insurance for pool cleaners is strongly recommended. Commercial auto insurance for pool cleaners helps protect your company from suffering financial hardships when auto accidents occur. If the accident destroys company equipment and tools, or a company vehicle, they can be extremely expensive to replace. Depending on how you would like to structure your policy, your company’s business auto insurance provides protection for several forms of vehicle and equipment damages, as well as losses caused by collisions, roll overs, fire or theft. Bodily injury portions of your policy pay for emergency treatment and medical care costs for your driver or passengers when applicable as well.
Commercial Auto Liability Insurance For Pool Cleaners
Commercial auto liability insurance for pool cleaners is mandated by law in most parts of the country. This is the most basic level of insurance protection that you can carry, and it helps protect both your company and other drivers. If you or an employee is the cause of an auto accident, your pool cleaners liability insurance can pay for the damages and injuries so that you don’t have to. Accident victims and other drivers also do not have to pay for injuries or damages that they didn’t cause. Commercial liability auto insurance provides coverage you and your pool clearing employees if you are driving somewhere for work purposes. When an employee is driving between customer locations for example, or delivering pool cleaning chemicals or equipment, your pool cleaner’s commercial auto insurance coverage keeps you protected.
Combined Single Limits
A combined single limit (CSL) business insurance policy protects you by providing one fixed maximum benefit payout amount per accident. This coverage does not limit payments based on the type of injuries or damages caused in an accident. It just provides coverage up to the total maximum as written in your policy. For example, if one of your pool cleaners causes an accident and multiple people sustain physical injuries, all of the payout benefits from your CSL policy may be used to pay for bodily expenses with little to nothing applied to property damages.
Split Limit Policy
A split limit policy is auto insurance that places limits on how much of your policy benefits are paid towards different types of auto accident damages. The minimum amount of coverage you are allowed to carry is set by state laws. Your active business policy specifies maximum payout totals for either property damages or bodily injuries separately.
For example, if you choose a split limit policy of $100,000/$300,000/$50,000 for your commercial pool cleaner’s auto insurance:
- Your policy would pay no more than $100,000 for each individual’s bodily injuries.
- Your policy will pay no more than $300,000 for the combined total of bodily injuries.
- Your policy will pay no more than $50,000 for the combined total of property damages.
Physical Damages Coverage
Physical damages coverage is extra business insurance protection against the loss of your company vehicles. For example, if one of your pool cleaners has an auto accident while driving a company-owned pump truck, the truck may be destroyed. By carrying physical damages protection as part of your business auto insurance policy, it will pay for the cost of replacing that truck.