Insurance Built for Pool Cleaning & Servicing Contractors
From weekly skimming routes to pump replacements and acid washes — get coverage shaped around the way pool service businesses actually operate, backed by an independent agency that shops 30+ carriers on your behalf.
Built Around Your Daily Routine
If this is what fills your service calendar, you're exactly the kind of business our carrier partners want to insure.
Routine Cleaning
- Skimming & brushing surfaces
- Tile cleaning & border tile repair
- Pumicing & bead blasting for calcium scale
Water Chemistry
- Chemical application & pH balancing
- Routine water testing
- Acid washing, including drain & refill
Equipment Repair
- Pump, heater & cleaning system maintenance
- Filter changes, timers & backwashing
- Pump, heater & light replacement
Hardware & Plumbing
- Pipe, handle & lever repair/replacement
- In-ground cleaning system servicing
- Unclogging lines & head replacement
Smart & Automated Systems
- Clearing tubing & adjusting sensors
- Setting timers & controllers
- Robotic & in-ground system upkeep
Leak Detection
- Residential leak detection services
- Diagnostic & locating work
- Tied to ongoing service contracts
A Policy Stack Built for Service Work
Package these together, or layer in what fits — every pool service business is a little different.
General Liability
Package & Commercial Package policy options
Commercial Auto
Owned, hired & non-owned vehicle coverage
Workers' Compensation
For techs, crews & route drivers
Umbrella / Excess
Extra limits over your underlying policies
Contractor Protection Add-On
An optional endorsement built specifically for service contractors who carry tools, work on active job sites, and manage crews.
Optional Coverages Worth Asking About
Voluntary Property DamageGeneral liability extension for accidental damage to a customer's pool or equipment
Inland Marine for EquipmentCovers tools, vacuums & testing equipment away from your shop
Employment Practices LiabilityProtection as you bring on techs and grow your crew
Limited Pollution LiabilityFor chemical handling exposure under GL & auto
Additional Insured OptionsBlanket coverage for HOAs, property managers & written agreements
Auto — Owned, Hired or Non-OwnedFlexible structures for route vehicles and crew-driven trucks
Pool Construction & Specialty Operations? We Can Still Help.
Some pool businesses do more than maintenance — full resurfacing, electrical work tied to pool systems, new equipment installs, or commercial and municipal contracts. Those operations need a different kind of underwriting than a weekly cleaning route, which is exactly why being an independent agency matters: if one carrier's program doesn't fit, we go to the next one in our lineup of 30+.
Talk to an Agent About Your OperationsWhere We Write Business
Licensed and actively writing pool contractor policies across the Midwest.
Pool Contractor Insurance FAQ
I have one or two part-time helpers. Do I really need workers' comp?
In most of our states, workers' comp is required once you have employees — even part-time. It also protects you personally if a helper is hurt on a job site.
What's the difference between general liability and the equipment coverage?
General liability covers damage or injury you cause to others. Equipment coverage (inland marine) protects the tools, vacuums and testing gear you own when they're stolen or damaged away from your shop.
My business does both routine cleaning and occasional construction work. Can one policy cover everything?
Sometimes — it depends on how the carrier underwrites that mix. We'll review your actual operations and either fit you into one policy or split coverage across carriers so nothing is left exposed.
Do I need commercial auto if I just drive my own truck to job sites?
If that truck is used for business, yes — a personal auto policy typically excludes business use, which can leave you without coverage after an accident.
What if I accidentally damage a customer's pool equipment while servicing it?
That's what voluntary property damage coverage is built for — it's an optional add-on specifically for accidental damage to property you're actively working on.
Let's Get Your Pool Business Covered
Tell us about your operations — routine, specialty, or both — and we'll shop your options across our full carrier lineup.