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If you run various businesses it’s essential that you get a proper business insurance policy. Even if you’re just a small pool contractor or a commercial swimming pool owner, there’s tailored pool company insurance for pool cleaning businesses.
Also, commercial swimming pool insurance is a tailored coverage for commercial pools.
In this article we’ll break down everything you need to know about the various options at your disposal.
A pool cleaning business is different from a pool business. It maintains commercial pools and private pools, whereas a pool business makes money by providing leisure and entertainment to people.
A pool cleaning business gets the best protection through a tailored swimming pool service liability insurance, otherwise known as pool cleaning insurance. It offers the following:
General liability insurance for pool cleaning businesses cover personal injury claims and property damage claims from third parties. This policy will take care of defense costs and settlements when any of the following happens:
Mistakes can happen while cleaning a pool. In connection, your client might experience financial loss.
Particularly, this policy will pay for defense costs If ever the client files a claim against your business. In case you lose the lawsuit, professional liability insurance will also shoulder compensatory payments to the client.
Do you own and use a commercial space for your pool business’s office? Your commercial building might be destroyed by raging fire, or a powerful hurricane.
So, the purpose of commercial property is to shoulder the costs. the insurance company will help you reconstruct or repair the commercial space that was destroyed or damaged.
So does this coverage protect all of your pool cleaning business’s equipment? The answer is no, business and tools equipment coverage will only cover equipment and tools you list or name on its terms.
Running a pool cleaning business means that you have at least one or four employees at the very least. So, If an employee suffers from a work-related injury or illness, workers compensation insurance provides money for emergency treatment and hospitalization.
It also provides an allowance if the injured or sick employee needs to take a leave to continue healing.
So how much will the employee receive? The allowance will be equal to two-thirds of an employee’s average weekly wage and will be given until the employee is strong enough to get back to work or until a cap is reached.
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There are no state-mandated pool cleaning insurance requirements, except for workers compensation insurance. But still, know that clients might require your pool cleaning business to get a particular amount of coverage.
First off, your pool cleaning business needs to get pool cleaning insurance offering a general liability policy having $1 million coverage for personal injury claims and a $100,000 minimum coverage for property damage claims.
General liability insurance is the primary protection insurance companies offer. Basic general liability insurance handles personal injury claims and property damage claims.
For example, if someone slips and falls on the premises of your commercial swimming pool, general liability will take care of defense costs and settlements if a claim is filed.
Purchasing a business owner’s policy is the quickest and the most certain way for you to be covered comprehensively against business hazards . It bundles two of the most useful policies – general liability and commercial property insurance.
a business owner’s policy is very cost-efficient as it’s cheaper than buying commercial property and general liability insurance separately.
Are you someone who builds or repairs swimming pools? If this is the case, you’ll have the best protection against exposures through swimming pool installer insurance. The following are the policies included:
The average swimming pool business insurance cost is $38 per month or $456 per year for a $1 million general liability insurance policy. Factors that affect the cost of insurance for commercial swimming pools are location, number of employees, revenues, etc.
Swimming pool cleaning businesses insurance pay $45 a month or $540 a year for a $1 million general liability coverage.
However, the cost of a pool cleaning insurance policy will also depend on the nature of your business as well as its size.
Swimming pool contractors pay $51 a month or $612 a year for a $1 million general liability coverage.Pool contractors pay more than pool businesses and pool cleaning businesses because exposures in building or repairing swimming pools are more likely to happen, which is why swimming pool construction insurance is essential.
It offers three insurance plans for a pool business. The first plan only offers general liability coverage . Second, general liability with commercial property insurance. Third, a business owner’s policy that can be added with workers compensation insurance.
Also, CoverWallet insures you immediately. There’s no need to wait for audits or inspections.
Average cost: $36.29 per month
Our rating: 10/10
Thimble’s pool cleaning insurance includes general liability coverage only. you can decide to only get covered for hours, days, weeks, or months. Just like CoverWallet, you can purchase insurance and get a certificate of insurance online from Thimble.
Average cost: $52.18 per month
Our rating: 9/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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