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Illustrated palm-lined street with a home and backyard pool, a service pickup loaded with hoses, a pole net, chemical jugs and a purple float, and across an open road a resort pool with a lifeguard stand

Pool service insurance

every pool on
your route, covered.

Liability, comp, trucks and chemical handling for pool pros growing their route, from backyard service to HOA and hotel pools.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

poolside problems,
covered.

A burst fitting, a slip, a bent gate. Tap around to see which policy steps in.

Illustrated backyard pool with a purple float, water spraying from a burst fitting at the equipment pad by the shed, a wet-floor sign on the deck beside a vacuum hose, and a service pickup backed through a broken wooden gate

general liability

A fitting bursts at the equipment pad

Water damage to the customer’s property.

workers’ comp

A tech slips on the wet deck

Medical bills and lost wages.

commercial auto

The truck backs into the gate

Damage you cause with the truck.

tools and equipment

A pump motor goes missing

Tools, parts and test kits.

general liability

A fitting bursts at the equipment pad

Water damage to the customer’s property.

Examples. Your policy sets the details.

the work changes
what we check.

Service routes, commercial pools and remodels carry different risks. Pick yours.

Weekly service

Backyards and chemicals.

We check how the policy treats pool chemicals and water damage, before you see a price.

we check first: Chemical handling. Illustrated pool edge with a leaf skimmer on a pole, a purple test kit and a bucket of chlorine tablets

pool service businesses
usually carry.

Put them on one program and we shop them together at every renewal.

bad day on the route?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Clearwater Pools

your options

$9,800a year, 4 policies

3 options, same coverage

Option A$9,800

Option B$10,600

Option C$11,900

5 techs4 trucksScottsdale, AZClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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growing by
acquisition?

Buying another pool service shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about pool service insurance.

What insurance does a pool service company need?
Most pool service companies carry general liability, workers’ comp once they have employees, commercial auto for route trucks, and tools and equipment coverage for pumps, parts and test kits. Some add pollution coverage for chemical handling, or an umbrella for commercial contracts. What you need depends on your route, your crew and your contracts.
Are pool chemicals covered by general liability?
Partly. Many general liability policies exclude pollution, and some carriers treat chlorine or acid spills and fumes as pollution. Some policies give back limited coverage for chemicals used in routine service, and contractors pollution liability can fill the gap. The wording decides, so we check how your policy treats chemicals before you rely on it.
Am I liable if someone gets hurt in a pool I service?
You can be, if the injury traces back to your work, like a loose drain cover, a bad chemical balance or a gate latch left open. General liability usually responds to claims like these, including the cost of defending you. Injuries that have nothing to do with your work usually fall to the owner’s policy.
What affects the price of pool service insurance?
Mainly the mix of residential and commercial pools, the chemicals you handle and store, repair and remodel work, payroll, trucks and drivers, and your claims history. Commercial pools, heater work and renovations usually cost more to insure. Clean records and clear contracts help.
Do commercial pool contracts require more coverage?
Often. HOAs, hotels and property managers usually set minimum limits in the contract, and many want to be named as an additional insured with specific certificate wording. Some ask for an umbrella or pollution coverage too. The contract’s insurance section lists the details, and we match your policy to it.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA