28 Jul Insurance for your Pool Cleaning Business
Insurance for your Pool Cleaning Business
Pool Cleaning Businesses are a lifesaver for those that own a pool. While all Pool Cleaning Businesses are different, they share a lot of the same Insurance needs. We will explain some of the most important coverages for your Pool Cleaning Business.
Insurance for your Pool Cleaning Business – General Liability
General Liability is an important and affordable coverage that every pool cleaning business should carry. There are many programs available with a wide range of coverage options. There are many situations where General Liability is useful, for example, if a bystander trips and falls on your equipment, or if you accidently damage someone’s property, the General Liability could be a lifesaver. In some cases you can also purchase a Business Owners Policy, which can provide General Liability and Business Property coverage on a single policy.
Insurance for your Pool Cleaning Business – Business Auto
Business Auto, also referred to as Commercial Auto, is an important coverage that is necessary for any Pool Cleaning Business that has designated vehicles for traveling to various jobsites/locations. It is important to understand that many personal lines auto policies often exclude coverage for vehicles that are primarily used for business purposes. In addition, you can often obtain increased limits with Business Auto policies for a nominal increase in premium.
Insurance for your Pool Cleaning Business – Workers Comp
Many Pool Cleaning Businesses have employees. As a business owner, you are required to cover these employees with a Workers Comp policy. Workers Comp rates for Pool Cleaning Businesses can vary substantially from carrier to carrier. If you want to save money on your Workers Comp, there are a few basic rules to remember. Make sure you maintain continuous Workers Comp coverage as lapses in coverage will make it difficult to obtain coverage with the best possible rates. In addition, take the time to properly classify your employees, as the rates vary dramatically from pool cleaning to clerical employees.
If you would like to learn more about saving money or obtaining proper coverages for your Pool Cleaning Business, call us at 925-297-4829.
All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.