Insurance for pool cleaning and service companies.

General liability with chemical coverage, auto, workers’ comp, and tools for route techs who clean pools, balance chemicals, and repair pumps and filters for homes, HOAs, and apartment communities.

What pool service companies usually carry

General liability, $1M / $2M
Commercial auto
Pollution coverage for chemicals
Workers’ comp
Tools and equipment
Umbrella

Watch for these in a pool service policy

Chemical injuriesA swimmer burned or sickened by chemicals you added can fall under the pollution exclusion. Pool service programs often give that back. Make sure yours does.
Chlorine and acid in the truckThe standard auto policy excludes spills of the chemicals you are hauling. A broadened pollution endorsement, CA 99 48, adds that back.
Draining and acid washingAn emptied pool can crack or lift out of the ground. Some policies exclude draining and acid washing, or damage to the pool you are working on.
Repairs and installsReplacing heaters, running gas lines, and rebuilding equipment pads is contracting work. Some service-only policies exclude it, or cover pumps and filters but not gas.
Lifeguards and pool managementStaffing lifeguards or running a community pool is a different business. Pool service policies usually exclude it.

What HOAs and apartment owners ask pool service companies for

Additional insuredHOAs and apartment owners ask to be named for work at their pools.
Pollution coverageCommercial pool contracts sometimes require it for the chemicals you store and apply on site.
Auto liabilityA set minimum on route trucks that carry chemicals.
Waiver of subrogationOn general liability and workers’ comp for commercial accounts.

Questions pool service companies ask

Straight answers.

The questions we hear most, answered plainly.

Am I covered if a swimmer gets sick after I treat the pool?

Only if your policy covers chemical injury. Many exclude it under the pollution wording, so ask to see the pool chemical coverage in writing before you buy.

Does pool service insurance cover equipment repairs?

If repairs are on the policy. Pump and filter work usually is. Heater and gas line work is often rated on its own or excluded, so list everything your techs do.