5 major risks that are covered by pool cleaner insurance

Becoming a business owner is a dream come true for many people, which you can likely relate to if you own a pool cleaning company. Being able to run a business helping people keep their swimming pools sparkling clean year-round can be very rewarding if it’s something you’re passionate about. But this dream of being a business owner can quickly become a nightmare if you’re not fully prepared for the unexpected. After all, cleaning pools can be risky for your employees and customers alike, considering that this job involves handling chemicals and expensive pool equipment. This is why it’s important to protect yourself by buying pool cleaner insurance for your company. Here’s a look at some of the most common issues it covers and why it’s so important.

1. Bodily Injury

Swimming pools can be dangerous in many ways, so when you’re constantly working around them, pool cleaner insurance is essential. Otherwise, if anyone is injured as a result of your services, you can be held liable if you don’t have insurance. For example, if a customer’s child or pet is harmed by the pool chemicals your employees use to clean the water, your company may be required to pay the medical costs. The same goes if a customer trips over pool cleaning equipment that an employee left out, which could result in broken bones or head injuries. If faced with such situations, consulting an injury attorney would be advisable. But if you have pool cleaner insurance, the general liability portion will pay for the medical expenses, lost wages, and other costs associated with the accident.

2. Property Damage

Pools can cost your clients a lot of money to build and maintain. So if your pool cleaning services somehow damage it, your company will be held liable for repairs or replacement. For instance, if your employee drops heavy equipment on a tile inside the pool or accidentally breaks an expensive umbrella, your company will have to pay to fix the damage. Or, if you have pool cleaner insurance, your coverage will kick in to pay for the repairs so you don’t have to. Note that your insurance can also extend to your business property, such as a shop or office, meaning you’ll have coverage if anything there is damaged due to fire, vandalism, storms, or other covered events.

3. Missing or Broken Tools

One of the biggest expenses of opening a pool cleaning company is buying the equipment your employees will use. From vacuums to chemicals, the costs can add up fast. And no matter how careful you are, there’s always a chance that someone will lose or damage the equipment you need for your company. If you couldn’t afford to immediately replace your most important pool cleaning equipment if it was lost, stolen, or damaged, you need tools coverage as part of your pool cleaner insurance policy. This coverage will pay to fix or replace any equipment, whether you own or rent it.

4. Car Accidents

Did you know that if your employees get into a car accident on the way to clean a customer’s pool, his or her personal auto insurance likely won’t cover the damages? This means your employees may be stuck paying for car repairs and medical expenses for themselves or others after a car accident. And in many cases, they might turn around and expect your company to cover the costs since it was work related. This is why you should get pool cleaner insurance that has auto coverage for your employees. After all, this job requires them to drive to and from customers’ houses regularly, which can lead to higher chances of an accident happening at some point. You might as well protect your employees and your business with as much coverage as possible.

5. Legal Fees

One of the best reasons to get pool cleaner insurance is to protect yourself against legal costs.  For instance, if a customer alleges you damaged their pool or caused injury to them and wants to sue you as a result, your pool cleaner insurance will cover the costs of a defense attorney. And if you lose the case, your insurance policy will pay the damages. Additionally, if someone accuses you of slander or libel or sues your company for any other reason, pool cleaner insurance can pay for the legal fees.

As you can see, it pays to get pool cleaner insurance, since it guards your company from a variety of risks that you and your employees may encounter. This is why it’s recommended that you get as much coverage as possible to protect your pool cleaning company.