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Pool Business Insurance & Pool Cleaning Insurance

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If you run a service business in many different industries, from roofing to carpentry, cleaning business and others, it’s essential that you get a proper business insurance policy that will protect your business in case anyone tries to press charges against it. In this guide, we’re going to explore everything you need to know about swimming pool business insurance coverage and pool cleaning insurance.

Your typical commercial swimming pool insurance policy can get pricey if you don’t know what you’re looking for, which is why we’ll break down what you need to know about the various policies at your disposal. We’ll also compare the differences between residential and commercial swimming pool insurance.


pool cleaning


Cheap Business Insurance Near Me

Swimming Pool Service Insurance

A swimming pool service is typically a larger operation that has quite a few assets to its name, including all of the necessary tools to clean a pool and potentially even a vehicle dedicated to the business. All of this will need to be covered by your chosen swimming pool service insurance policy, so you’ll need something relatively comprehensive.

In most cases, swimming pool service insurance policies are best served through business owner policies which combine all of the aspects that they need into a single policy. At the very least, a BOP will provide you with general liability coverage bundled in with business property insurance for your pool cleaning depot.

However, you aren’t locked into just these two kinds of business insurance if you get your hands on a BOP. For example, if you have a pool cleaning van, you can also arrange to have your commercial vehicle insurance policy bundled into your BOP alongside other add-ons like equipment coverage.

If you’d like to get your hands on a business owner’s policy for your pool cleaning service, the best thing you can do is get in touch with your carrier of choice and speak to one of their agents. The agent will work with you so that you can select the optimal add-ons for your needs and get you a preferential rate.

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Swimming Pool Contractor Insurance

If you’re a swimming pool contractor, then it’s less likely that you need the kind of in-depth pool insurance that cleaning services get their hands on. This is because contractors typically have fewer tools that they’d like to insure and some might not even have a warehouse or specific place of business.


This means that things like business property coverage will be less essential for a swimming pool contractor, so they may wish to go ahead and get their hands on a basic liability policy. While you may pay less for a liability policy within a BOP, it will be bundled with other coverage that will increase the overall cost of a BOP beyond that of a simple liability policy.

With a liability policy, a swimming pool cleaner/contractor will be protected from charges levied against them by their clients or by members of the public. For example, if a client ends up suing you for damage that you do to their swimming pool, your pool contractor insurance liability policy will kick in to protect you.

Of course, some contractors may wish to add on additional insurance policies. For example, pool cleaners that rent out their equipment may wish to get their hands on an equipment rental insurance policy that will cover the deposit and potential replacement cost of their tools.


Commercial Swimming Pool Liability Insurance

So far, we mainly addressed what you need to know about residential pool cleaning insurance, but commercial swimming pool cleaning insurance is an entirely different industry. There are huge differences in scale when it comes to cleaning residential and commercial pools, as many commercial pool cleaners have fleets of vehicles and scores of employees.

Commercial swimming pool insurance cost tends to be a lot higher than residential swimming pool insurance because of the higher stakes involved. More people working taking on more jobs means that there is a higher chance of something going wrong and the insurance company paying out for you.

You may also need to pay more for worker’s comp because you have more people working for you who can potentially get injured on the job. Another thing to keep in mind is that the swimming pools themselves tend to be a lot more expensive in a commercial environment.

For example, if your employees are cleaning an infinity pool, then any mistake they make during the cleaning process might end up being a lot more costly for you. The same can be said of cleaning swimming pools at luxurious resorts, which will likely be made of more costly materials and to more exacting standards.

Swimming Pool Business Insurance Cost

It’s typically a good idea to know how much you can expect to pay for a swimming pool cleaning insurance policy before you go out and start shopping. Having a frame of reference for the average cost of a swimming pool cleaning insurance policy will allow you to determine if you’re getting a good deal or not.

Generally, the average swimming pool business insurance cost is $38 per month or $450 per year for a standard general liability insurance policy.

However, the cost of a swimming pool cleaners’ insurance policy will also depend on the nature of your business as well as its size. For example, if you run a large swimming pool cleaning company with several employees and high-profile clients, then you can expect to pay more for coverage.

On the other hand, if your swimming pool cleaning business operates on a simple contract basis and you’re the only employee, you can get away with much more affordable premiums. The cost of an insurance policy is always grounded in the risk that an insurer is taking when they cover you.

For the sake of getting reference rates, we gathered the following premiums based on a medium-sized pool cleaning operation without any issues or accidents in their history. Your costs may vary based on these factors and more.

CompanyCost per monthCost per year
The Hartford$33$396
BISU$39$468


Conclusion - And The Next Step!

Whether you’re a residential pool cleaner or a commercial one, it’s essential to make sure that you have the swimming pool business insurance coverage that your business needs and that you’re not getting overcharged for it. To reassure this outcome, click the 'Get Quotes' button below and complete the form to compare countless swimming pool business insurance quotes online from the best pool business insurance companies in America! 

Compare Pool Business Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

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