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Pool Service Insurance
Pool chemicals, wet decks and equipment repairs are all part of the job, and many general policies weren't written for them. We compare insurance companies that write pool service and repair, check for chemical and pollution exclusions, and cover your trucks and gear. Call or text and talk with a real person, in English or Spanish.
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Pool service
Coverage Built for Pool Service
Cleaning, chemical treatment and repairs each carry different risks. We match coverage to the work you actually do.
- General liability for pool service and repair
- Pollution coverage for pool chemicals
- Commercial auto for service trucks
- Tools and equipment, including chemicals and parts in your truck
- Workers comp for your techs
- Umbrella limits property managers require
Good to Know
Before You Buy
Pool work combines chemicals, water and people on the property. We go through each one with you before you sign.
- Chemicals. Pool chemicals can fall under pollution exclusions on some liability policies, so it's worth checking.
- Type of work. Pool service and pool construction are rated differently, so describe all of your work when you quote.
- Truck contents. Chemicals, parts and tools in your truck need their own coverage, since auto and liability policies don't cover them.
- After service. Someone hurt after you service a pool can bring a claim. Completed operations coverage responds to covered claims.
- Additional insured. HOAs and property managers often require additional insured status and set limits.
- Workers comp. Many states require contractors to carry workers comp, in some states from the first employee.
Pair It With
Gaps Pool Service Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Pollution Is Usually Excluded
Many liability policies exclude pollution, so a contractors pollution policy may be needed for the work you do.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Your Tools Need Their Own Coverage
Liability doesn't cover your own tools. Tools and equipment coverage protects them on the job and in your truck.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Your Personal Cars Need Their Own Policy
Your business policy covers business vehicles. The family cars at home need personal auto, and we can quote both.
Your Business Depends on Key People
If losing one person would hurt sales or operations, key person coverage gives the business money to recruit and keep going.
Questions
What Pool Service Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Is a chemical spill covered?
Some liability policies treat chemical releases as pollution, which is often excluded. We check and add pollution coverage where needed.
What if someone is hurt after I service a pool?
Injuries tied to your work can fall under general liability, including completed operations. We make sure your policy fits service work.
Do repairs or remodeling change my coverage?
Repair and construction work are often rated differently from service. Tell us everything you do so the policy matches.
Need a Certificate for a Property Manager?
Send us the contract and we'll match the requirements.