Swimming Pool Cleaners Insurance

Insurance for Pool Cleaners in Ontario

Cleaning swimming pools requires more skill, equipment and hard work than many people suspect. It's a big job and certainly qualifies as an essential service for pool and property owners—ask anyone who has ever seen a pool that hasn't been cleaned in a couple of years. Because you work on your clients' properties with an extensive, potentially complex system that has a lot of components, your work as a pool cleaner puts you at risk for a wide range of perils, from damage or destruction of your equipment to potential lawsuits from clients for causing property damage or even bodily injury.

Those types of perils can result in huge expenses that can potentially cause severe damage to your bottom line. The solution is to call Morison Insurance and speak with a qualified insurance broker who can start a swimming pool cleaners insurance quote 

What is Swimming Pool Cleaners Insurance?

Swimming pool cleaners insurance is a package of business insurance coverages tailored to protect pool cleaners against serious financial losses in the event of an insured peril. In general terms, the risks faced by pool cleaners can be broken down into two broad categories: damage to the policyholder's equipment, tools or commercial property and being sued for allegedly causing some harm to a third party such as a client. Suppose you have legal action brought against you and have the correct type of liability coverage in place. In that case, you can expect to receive insurance compensation for expenses such as your legal defence in court and settlement costs if you are found liable. In the same sense, if your property or belongings are damaged or destroyed by a peril covered by your property insurance, you can expect to receive insurance compensation to handle repair, replacement and restoration costs up to the coverage limits on your policy.

Who Needs Swimming Pool Cleaners Insurance in Ontario?

Any pool cleaning companies that work in the pool cleaning, troubleshooting, and repairing private or commercial swimming pools need the financial protection that comes with the right swimming pool cleaners insurance. That includes individuals and businesses focusing on specific aspects of pool cleaning, such as bacterial treatments, diagnostics, and replacing components, such as the pool filter.

What Types of Coverage are Available for Swimming Pool Cleaners Insurance?

Your pool cleaning business is unique, meaning your swimming pool cleaners insurance package needs to be uniquely designed to address your specific insurance needs. Here are some of the standard coverages that almost all businesses need, along with some optional coverages that may be well-suited to how you operate your business.

Commercial General Liability Insurance

As a basic coverage that is automatically included in every business liability package, commercial general liability insurance (CGL) is necessary for a wide range of businesses. That's also true for professionals such as pool cleaners who do their job where the pool is located on your clients' properties. That means there's more opportunity for you or your employees to be accused of causing third-party bodily injury or third-party property damage. Suppose someone brings legal action against you for allegedly causing them injury or damaging their property. In that case, the commercial general liability portion of your swimming pool cleaners insurance will cover the costs of your legal defence and settlement expenses up to the coverage limits on your liability policy if you are found liable.

Pollution Liability Insurance

The swimming pool cleaning process involves using harsh chemicals, such as chlorine, that can easily cause environmental damage. That could result from misuse, but it could also happen because of an accidental leak, spill or combustion while transporting or applying concentrated chemicals. Insurance for pool cleaners should include pollution liability insurance that will protect you from paying out of your own budget for expenses related to a sudden polluting event. Those expenses may include clean-up and decontamination costs, regulatory fines, damages, and the costs associated with being sued for causing environmental damage.

Commercial Auto Insurance

It's no secret that business vehicles, just like any other vehicle, must be insured to be legally driven in Canada. However, not everyone is aware that a personal vehicle insured with personal auto insurance is not covered if and when it's being used for business purposes. Suppose you have a truck that you use for personal and commercial reasons, for example, and you get into an auto accident while transporting your work equipment, cleaning materials and even employees or coworkers to job sites. In that case, a claim on your personal auto insurance coverage could be denied. You need commercial vehicle insurance as part of your swimming pool cleaners insurance to ensure you are adequately protected.

Employee Theft Coverage

No one wants to think about the possibility that the employees they trust to carry out their work honestly and dependably may be less than honest and dependable, but it does happen. Employee Dishonesty coverage is generally intended to give you the financial assistance you need to recover if an employee steals from you. However, a swimming pool cleaning business owner who sends employees to clients' homes without supervision should also add an extension to their swimming pool cleaners insurance that extends employee theft coverage to situations where an employee steals from a client.

Additional Coverage Options for Swimming Pool Cleaners Insurance

• Commercial Property Insurance
• Business Contents Coverage
• Tools & Equipment Coverage
• Commercial Umbrella Insurance
• Business Interruption Insurance
• Legal Expense Coverage

Is It Necessary to Have Insurance for Pool Cleaners?

Just like most types of business insurance, you are not legally required to have swimming pool cleaners insurance, with the clear exception of commercial auto insurance. Regardless of that fact, it would be dangerously risky to operate your pool cleaning business without the right insurance for pool cleaners. Without swimming pool cleaners insurance, a lawsuit or destructive event such as a fire could completely destroy your ability to operate your business.

Along with that reality, keep in mind that some customers and other parties could decline to work with you or hire you if you cannot provide proof of insurance coverage. As a result, you could be forced to walk away from contracts and clients, leaving them to be scooped up by competing businesses and damaging your ability to maintain your revenue stream. It doesn't make sense to put yourself through that stress, hassle and heartache when you can prevent it all from happening by investing in the right swimming pool cleaners insurance coverage from the qualified brokers at Morison Insurance. They can help you start a swimming pool cleaners insurance quote today.

How Are Premiums Calculated for Swimming Pool Cleaners Insurance?

Like most types of insurance coverage, calculating the cost of premiums for swimming pool cleaners insurance involves looking at a wide range of factors. That includes considerations such as:

• The services you provide
• Your level of experience
• The size and location of your business
• The number of people you employ
• Your annual and projected revenue
• Your insurance claims history
• The equipment and tools necessary for your work

Where Can I Start An Ontario Swimming Pool Cleaners Insurance Quote?

If you need to start a swimming pool cleaners insurance quote or are wondering if you have adequate coverage, let an experienced insurance broker from Morison Insurance help. When you call our team at 1-800-463-8074, you get peace of mind knowing we'll go the extra mile to ensure you have the right coverage to prevent you from suffering major financial setbacks that could spell the end for your business.

This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.