Owning and running a pool cleaning and maintenance business means that you get to be your own boss, which can be a very rewarding experience. However, as with any type of business, there are many unforeseen events that can occur and that can end up costing you a lot of money. The only way to ensure your assets are protected is to purchase a comprehensive pool maintenance service insurance policy.

The first part of your policy to think about is the general liability portion. This coverage is designed to cover a number of events that could devastate any business. The nature of general liability is to be broad and to protect you from lawsuits that may arise when someone is injured by your services or your products. It also covers other occurrences like natural disasters that cause damage, theft, vandalism, and many more events. You should be aware, however, that there are exclusions on the general liability portion of your pool cleaner business insurance policy. Be sure that you understand what events are not covered so that you can be prepared.

Because general liability does not cover every instance of misfortune that can occur to your business, you might consider creating a business owners policy as part of your pool maintenance service insurance. This type of policy allows you to add on coverage that is specific to your business. This can include protection in the event that your cleaning equipment breaks, your company’s building and its contents are damaged by theft or natural disaster, or your electronic data is lost or compromised. Additionally, you may get coverage for lost income in case any of these events force you to suspend the operation of your business.

Another important component of your pool cleaner business insurance is auto coverage. Because you send employees out to the homes of customers, you run the risk of accidents that cause damage to the vehicles your workers use or to the property of a third party. Just one accident can potentially be devastating to your business assets, so this type of protection is essential.

And because you have employees to do the cleaning, you must hold workers compensation insurance. The law requires you to have this type of coverage in your pool maintenance service insurance. It pays for medical expenses, lost wages, and disability in the event that a worker is injured while on the job.