General Liability Insurance for
Pool Cleaner Liability Insurance
As the owner of an independent pool cleaners business, your day to day activities are varied. You may spend a lot of time managing your pool cleaning employees to ensure that all of your customer’s needs are met in a timely manner or you may spend most of your time talking to customers directly to further grow your company. Taking care of all of the different details involved with owning a business can be stressful. You can ease a bit of that stress by making sure you’re carrying the correct types of small business insurance. The most important type of coverage you need is general liability insurance for pool cleaners.
Bodily Injury Coverage
Bodily injury insurance is one part of your general liability coverage that helps protect you and your customers simultaneously. If a customer is physically injured either in your pool cleaner store or around your cleaner’s work area, this coverage helps pay for the financial expenses that arise. Expenses can include medical bills for recovery of the injuries, or legal bills if the customer files a lawsuit against you.
Property Damage Coverage
Sometimes accidents happen while you or an employee is working. Accidents can cause damages to a customer’s property. When you damage personal property the customer fully expects you to pay for it. The property damages portion of your pool cleaners liability insurance pays for property damage repairs when the need arises.
Products And Completed Operations Coverage
When you sell products and provide services to customers, there is always the small risk that harm will come to the customer because of the products or services. Products and completed operations is part of your pool cleaners general liability insurance policy that helps in that area. If, for example, one of your employee’s damages a pool’s pump while he is cleaning the pool, your products and completed operations coverage can pay for the cost of replacing that pump.
Personal And Advertising Injury
Sometimes legal allegations are made against your pool cleaning company for injuries that are not physical or property damage related. A competitor may for example, claim that your advertising was slanderous against his company. A supplier may file suit with claims that you used their company logo without permission. Personal and advertising injury coverage is the section of your pool cleaners general liability insurance policy that helps protect you legally and financially against these types of claims.
Damage To Premises Rented To You
If your pool cleaning company rents a structure, store front or other property for business purposes, you’ll need rental damage coverage protection. This part of your pool cleaners general liability insurance policy is often required by the property owner before you are allowed to sign a lease. Rental premises damages insurance helps protect the structure itself from losses and damages, such as fire, flood or other harm that may be caused by your company.
Medical Expense Limit
Medical expenses limit insurance is protection against larger settlements or lawsuits that can arise when someone is injured on your company’s premises, or around the work area of your employees. When the injuries are minor, this portion of your general liability insurance often pays for the medical care costs even when your company is not to blame for the injury, because it can prevent larger and more expensive issues later.
Limits Of Liability Insurance
- Each Occurrence – Each occurrence means that your general liability insurance policy will not pay more than a specified maximum to individuals for each claim made.
- General Aggregate – General aggregate means that there is a maximum total amount of coverage available on your policy regardless of how many claims there are. Once the total aggregate limit is met, a general liability policy is exhausted and cannot pay any further claims.
What Types Of Insurance Do Pool Cleaners Need?
The right insurance coverage offers complete coverage. A proper insurance policy should provide coverages such as general liability, auto insurance, tools coverage, and surety bonds.
Know that these are the minimum coverages a policy must offer. Other types of coverage to consider include workers compensation, bodily injury, personal and advertising injury, and property damage.
How Much Does Pool Cleaner’s Insurance Cost?
Pool cleaner’s insurance costs can vary from one provider to another. While the numbers below are estimates, it’s a good idea to get quotes from multiple companies.
- General liability insurance starts at about $770 annually.
- Auto liability insurance is estimated at $900 to insure a pickup truck for a year.
- Tools coverage for a year is estimated at $200 for every $10,000 in tool inventory.
How To Get Pool Cleaner Insurance
Knowing how to get pool cleaner insurance is as important as getting the right insurance coverage. The business owner must provide specific details to the insurer, such as where business will be conducted, the type of coverage desired, and what the company’s budget is.
Pool cleaners also need a trusted and experienced insurance agent to help evaluate risks, determine the appropriate type of insurance coverage, and present reliable and qualified insurer services. Usually, the size of the pool service company and the number of employees will determine the business’s insurance needs.
Pool Cleaner General Liability Insurance
One of the most important coverages a pool cleaning company needs is commercial general liability. General liability insurance covers bodily injuries and property damages to customers, damages to property the pool cleaning company rents, personal injuries such as to someone’s reputation, and medical payments for minor accidents or injuries.
Property damage may happen, for instance, if an employee drops a heavy tool in the swimming pool and breaks a tile. A general liability insurance policy would pay for the cost of repairing that damage.
The tenant liability section of the policy protects a pool cleaning company if damage occurs to office or storage space they rent. If a cleaning chemical leaks and stains the floor of the storage room, for example, the property owner might sue for damages.
Personal injuries usually involve claims of slander or libel, particularly in advertising, and medical payments offer a way to resolve minor medical issues without lawsuits.
Pool Cleaner Tools Coverage
Pool cleaning companies use tools and equipment such as vacuums, brushes, chemicals, and skimmers. What happens if they become missing or stolen? Since these tools are expensive and an important part of the business, pool cleaners need tools and equipment coverage. This coverage pays for both owned and rented equipment if they are misplaced, vandalized, or stolen.
Pool Cleaner Auto Insurance
Pool cleaning service involves traveling from one client location to another. Unfortunately, active travel can put contractors at higher risk of being in accidents while driving for work purposes.
When car accidents occur, a pool cleaning company may need to pay for medical bills and property damage to multiple people. That’s why it’s important to have commercial car insurance for any vehicle used for company services. This type of coverage will prevent the business from incurring the costs of a car accident.
Business auto insurance offers a number of types of protections against costs associated with car accidents, including bodily injury, property damage, and uninsured motorist. A pool cleaning company could be sued by anyone injured in the crash, including employees who were driving or riding as passengers in the work vehicle. The medical insurance coverage portion of this policy will pay for emergency and hospital care for each person injured. Physical damage coverage helps pay for the repair or replacement of company vehicles, and uninsured motorist coverage pays for similar losses and medical expenses if the accident was caused by someone who did not carry any insurance of their own.
Pool Cleaner Bonds
Pool cleaners need to have a surety bond when they are providing services to a customer. Surety bonds guarantee that the company will fully render the services customers have paid for, at the price they were quoted.
Surety bonds help customers feel safe and trust a pool cleaner’s services. This also helps the company build goodwill and a strong reputation. When a contracted company starts and completes jobs on time and on budget, it helps generate referrals from satisfied customers. Several types of surety bonds include contract bond, janitorial bond, contractor’s license bond, performance bond, bid bond, and dishonesty bonds.
Other Coverages
There are several other coverages to consider adding into a pool cleaner’s insurance policy. These include worker’s compensation, cyber liability insurance, and business owner’s insurance.
Workers Compensation
When employees sustain an injury while at work, workers compensation coverage will pay for the medical bills and time lost. It will also help protect the company from lawsuits their workers might file related to the injury.
Cyber Liability Insurance
This type of insurance pays for financial losses incurred as a result of data breaches. Since some businesses use computers to store, receive, and send electronic data, electronic data could be stolen or corrupted due to a security breach or technical problem.
Business Owner’s Insurance
Business owner’s insurance may include vehicle coverage, business interruption insurance, and liability insurance.
Conclusion
A pool cleaning business can be quite profitable, yet it carries many potential risks. That’s why pool cleaner’s insurance is so important to have. A company can have the best services, the best employees, and the best customers, but accidents happen. And it only takes a single incident for that company to incur a huge loss. Contact us now to discuss the variety of protective coverage options we can help your company with before issues arise.
