What Kind of Insurance Do I Need for a Pool Service Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Oct 14
- 2 min read
Running a pool service business comes with unique risks—from chemical handling and equipment transport to property damage and customer injuries. Whether you're cleaning residential pools or maintaining commercial facilities, having the right insurance coverage is essential to protect your business, your team, and your clients.
At Wexford Insurance, we specialize in pool contractor insurance tailored to the needs of pool cleaning, maintenance, and repair professionals. Here’s a breakdown of the key insurance types your pool service business should consider.
This is the foundation of your insurance coverage. It protects your business from third-party claims involving:
Bodily injury (e.g., a client slips near the pool)
Property damage (e.g., equipment damages a customer’s deck)
Advertising injuries (e.g., accidental copyright infringement)
Most clients won’t hire you without proof of general liability insurance.
If you have employees, this coverage is often legally required. It pays for:
Medical expenses from work-related injuries
Lost wages
Disability benefits
Poolside work involves slippery surfaces, heavy lifting, and chemical exposure—making workers’ comp a must.
🔗 Check Out: state’s workers’ comp requirements.
If you or your employees drive company vehicles to job sites, personal auto insurance won’t cover business-related accidents. Commercial auto insurance protects against:
Property damage caused by your vehicle
Injuries to others
Theft or vandalism of your work vehicle
Your vacuums, pumps, water testers, and other tools are essential—and expensive. This coverage protects your gear from:
Theft
Damage
Loss during transport or on job sites
A BOP bundles general liability and commercial property insurance at a discount. It’s ideal for small pool service businesses and covers:
Customer injuries and property damage
Damage to your office or storage space
Business interruption due to covered events
If you work with HOAs, hotels, or municipalities, you may need higher liability limits. Umbrella insurance extends your coverage beyond standard policy limits.
Final Thoughts
Insurance isn’t just a safety net—it’s a business essential. With the right coverage, you can operate confidently, win more contracts, and protect your reputation.
At Wexford Insurance, we help pool service businesses find affordable, customized insurance solutions. Whether you're just starting or expanding, we’re here to help.
Contact us today to get started,