Swimming Pool Maintenance And Service Insurance Policy Information
Swimming Pool Maintenance And Service Insurance. Pool service companies provide service, maintenance and repair services.
As the owner and operator of an pool service company, you have a lot of responsibilities on your shoulders. Ensuring day-to-day operations are running smoothly, stocking the storing a wide range of products and tools, overseeing your staff, and making sure that the needs of your clients are met; there's a lot that you have to attend to.
Despite your best efforts to ensure that the various components of your business are running smoothly, all it takes is one slip-up or an unplanned for event and you could be in serious trouble. Pool cleaning service insurance can help cover costs if an employee gets into an accident while driving to a client's home, or if a client trips over the pool cleaning net and gets hurt.
To protect yourself from oversights and the unexpected, having the right type of swimming pool maintenance and service insurance is essential.
Swimming pool maintenance and service insurance protects your business from lawsuits with rates as low as $29/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked swimming pool maintenance and service insurance questions:
- What Is Swimming Pool Service Insurance?
- How Much Does Swimming Pool Service Insurance Cost?
- Why Do Swimming Pool Maintenance Services Need Insurance?
- What Type Of Insurance Do Swimming Pool Service Businesses Need?
- What Are Swimming Pool Maintenance And Service Risks & Exposures?
- What Does Swimming Pool Maintenance And Service Insurance Cover & Pay For?
What Is Swimming Pool Service Insurance?
Swimming pool service insurance is a type of insurance designed specifically for businesses that provide maintenance and repair services for swimming pools. It typically includes coverage for things like property damage, liability for injuries or accidents, and loss of income in the event of a disruption to the business due to a covered event.
It may also include coverage for specialized equipment and tools used in the pool service industry.
This insurance can protect the pool service business from financial loss and help them to continue to operate in the event of a covered incident.
How Much Does Swimming Pool Service Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small swimming pool service companies ranges from $29 to $47 per month based on location, services offered, payroll, sales and experience.
Why Do Swimming Pool Maintenance And Services Need Insurance?
Swimming pool maintenance services need insurance for a variety of reasons. Firstly, it helps to protect the business in case of any unforeseen accidents or injuries that may occur while the maintenance team is working. For example, if a team member accidentally slips and falls while cleaning the pool, the insurance can cover any medical expenses and potential legal fees.
Additionally, insurance can also protect the business from any damages that may occur to the pool itself. If a chemical imbalance or mechanical issue causes damage to the pool, the swimming pool maintenance and service insurance can cover the costs of repairs.
Furthermore, having insurance can also provide peace of mind for the business owner and the team, knowing that they are protected in case of any unexpected events. It allows them to focus on providing top-quality maintenance services without the added stress of worrying about potential risks.
In summary, swimming pool maintenance services need insurance to protect the business and its employees from potential accidents and damages, as well as to provide peace of mind and allow the team to focus on their work.
What Type Of Insurance Do Swimming Pool Service Businesses Need?
There are several types of swimming pool maintenance and service insurance coverage that pool service providers should carry. The specific types of policies you should have in place will depend on the unique nature of your business; however, there are certain forms of coverage that operators of all swimming pool service companies should have, including:
- General Liability - This policy protects you from third-party injury and property damage claims, as well as formal lawsuits that may be filed against you. It provides coverage for any financial liabilities, as well as the expenses that are associated with any legal defense that you might need. For example, if someone other than an employee gets hurt at your store and files a lawsuit against you, or if an employee uses the wrong chemicals and damages a client's property, business liability insurance would pay for the damages and legal fees.
- Completed Operations - If a client's property is damaged or someone sustains an injury as a result of the services you provide, even after the services have been delivered, you are still liable. For instance, if a high concentration of chemicals damages the lining of a pool you treated, you would be responsible for any damages. Completed operations insurance covers the costs of expenses that are associated with damages and injuries related to services you provided after those services were delivered.
- Commercial Property - A massive windstorm could send a tree crushing down on top of your store, or a vandal could spray paint graffiti or smash the windows of your commercial space. When situations like these arise, commercial property damage will protect you from the financial losses that are incurred. This policy covers the physical structure of your commercial space as well as the contents within it from acts of nature, vandalism, and theft.
- Workers Compensation - If an employee gets injured on the job or suffers a work-related illness, you're responsible for any necessary medical care, as well as wages that he or she may lose. Workers' compensation coverage will cover these expenses so you don't have to pay for them out of your own pocket.
What Are Swimming Pool Maintenance And Service Risks & Exposures
Premises liability exposure at the pool maintenance co. premises may be limited due to lack of public access. If there is a showroom or retail sales of pool supplies, customers may slip and fall over displays. Equipment stored in an open yard may present an attractive nuisance. The storage of flammable chemicals presents a property damage exposure to neighboring buildings.
Workers compensation exposure - back injuries, hernias, sprains and strains can be caused by lifting or moving pool supplies. Work at heights, cuts, abrasions and eye injuries can occur. Exposure to pool chemicals can result in burns, eye irritation, or inhalation damage to lungs.
Property exposure at the companies' own location may be limited to those of an office and storage of materials, equipment, and vehicles. Some pool service companies have a small display area while others display above ground pools and a variety of pool related products available for retail purchase. Any flammable pool chemicals must be properly labeled, separated, and stored in approved containers, cabinets, and rooms as the introduction of even a small amount of water to certain dry chemicals can trigger an explosion. Property stored outside may be a target for vandalism.
Crime exposure are from employee dishonesty and money and securities. Background checks, including criminal history, should be obtained on each employee prior to hiring. Ordering, billing, and disbursement should be handled as separate duties with reconciliations occurring regularly. There should be appropriate procedures in place when employees accept payments off site. Audits, including inventory, should be conducted at least annually.
Business auto exposure - drivers must be experienced and aware of the cautions necessary in transporting pool chemicals to prevent overturn and damaging other vehicles or property. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.
What Does Swimming Pool Maintenance And Service Insurance Cover & Pay For?
Swimming pool maintenance services can be sued for various reasons, such as:
Accidents or injuries: If someone is injured or suffers an accident while using the swimming pool, they may sue the maintenance service for negligence or failure to maintain a safe environment.
Insurance protection: A general liability insurance policy can protect swimming pool maintenance services from lawsuits related to injuries or accidents. The insurance can help pay for legal defense costs, settlements, or judgments.
Property damage: If the swimming pool maintenance service damages someone's property, they may be sued for compensation.
Insurance protection: General liability insurance can also cover property damage claims against swimming pool maintenance services. The insurance can pay for the costs of repairing or replacing damaged property.
Breach of contract: If the maintenance service fails to fulfill the terms of a contract with a customer, they may be sued for breach of contract.
Insurance protection: Errors and omissions insurance (also known as professional liability insurance) can protect swimming pool maintenance services from lawsuits related to breach of contract or other professional mistakes. The insurance can pay for legal defense costs and settlements.
Pollution or environmental damage: Swimming pool maintenance services that use chemicals or cleaning products may accidentally cause pollution or environmental damage.
Insurance protection: Environmental liability insurance can help protect swimming pool maintenance services from lawsuits related to pollution or environmental damage. The insurance can pay for the costs of cleaning up the pollution or environmental damage and any legal expenses associated with the lawsuit.
In summary, swimming pool maintenance services can be sued for various reasons, but insurance can provide protection by helping to pay for legal defense costs, settlements, or judgments. It is important for swimming pool maintenance services to have adequate insurance coverage to protect their business and finances in the event of a lawsuit.
Commercial Insurance And Business Industry Classification
- SIC CODE: 1799: Special Trade Contractors, Not Elsewhere Classified
- NAICS CODE: 238990 All Other Specialty Trade Contractors
- Suggested Workers Compensation Code(s): 9014 Janitorial Services by Contractors - No Window Cleaning Above Ground Level & Drivers
Description for 1799: Special Trade Contractors, Not Elsewhere Classified
Division C: Construction | Major Group 17: Construction Special Trade Contractors | Industry Group 179: Miscellaneous Special Trade Contractors
1799 Special Trade Contractors, Not Elsewhere Classified: Special trade contractors primarily engaged in construction work, not elsewhere classified, such as construction of swimming pools and fences, erection and installation of ornamental metal work, house moving, shoring work, waterproofing, dampproofing, fireproofing, sandblasting, and steam cleaning of building exteriors.
- Antenna installation, except household type-contractors
- Artificial turf installation-contractors
- Awning installation-contractors
- Bath tub refinishing-contractors
- Boring for building construction-contractors
- Bowling alley installation and service-contractors
- Cable splicing service, nonelectrical-contractors
- Caulking (construction)-contractors
- Cleaning building exteriors-contractors
- Cleaning new buildings after construction-contractors
- Coating of concrete structures with plastics-contractors
- Core drilling for building construction-contractors
- Counter top installation-contractors
- Dampproofing buildings-contractors
- Diamond drilling for building construction-contractors
- Epoxy application-contractors
- Erection and dismantling of forms for poured concrete-contractors
- Fence construction-contractors
- Fire escape installation-contractors
- Fireproofing buildings-contractors
- Forms for poured concrete, erection and dismantling-contractors
- Gas leakage detection-contractors
- Gasoline pump installation-contractors
- Glazing of concrete surfaces-contractors
- Grave excavation-contractors
- House moving-contractors
- Insulation of pipes and boilers-contractors
- Lead burning-contractors
- Lightning conductor erection-contractors
- Mobile home site setup and tie down-contractors
- Ornamental metalwork-contractors
- Paint and wallpaper stripping-contractors
- Plastics wall tile installation-contractors
- Posthole digging-contractors
- Sandblasting of building exteriors-contractors
- Scaffolding construction-contractors
- Service and repair of broadcasting stations-contractors
- Service station equipment installation, maintenance, and repair-
- Shoring and underpinning work-contractors
- Spectator seating installation-contractors
- Steam cleaning of building exteriors-contractors
- Swimming pool construction-contractors
- Television and radio stations, service and repair of-contractors
- Test boring for construction-contractors
- Tile installation, wall: plastics-contractors
- Tinting glass-contractors
- Wallpaper removal-contractors
- Weather stripping-contractors
- Welding contractors, operating at site of construction
- Window shade installation-contractors
Swimming Pool Maintenance And Service Insurance - The Bottom Line
To find out more about other swimming pool maintenance and service insurance policies you may need - and the amount of coverage you should carry, consult with an agent that specializes in commercial business insurance.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tank Cleaners
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
- Specialty Contractors
The contracting industry is a field that involves a lot of risks, both for the contractor and for the clients they work for. This is why commercial insurance is so important for contractors. Insurance can protect contractors from a variety of potential losses, such as:
Liability: If a contractor causes damage to a client's property or if a client is injured while on a job site, the contractor could be held legally responsible. Liability insurance can cover legal fees and any settlements or judgments that may be awarded.
Property damage: Contractors often use a lot of expensive equipment and tools, and there is always a risk that this equipment could be damaged or stolen. Commercial property insurance can help cover the cost of replacing damaged or stolen equipment.
Business interruption: If a contractor is unable to work due to an unforeseen event, such as a natural disaster, insurance can help cover their lost income during this time.
Workers compensation: If a contractor or one of their employees is injured on the job, worker's comp can help cover medical expenses and lost wages.
Overall, commercial insurance is an important risk management tool for contractors. It can provide financial protection against a wide range of potential losses, helping contractors to stay in business and continue serving their clients.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.