Summer is a favorite time of year for many—longer days, warmer weather, and more time outdoors. As a swimming pool professional, it’s your busiest season, filled with maintenance calls, new installations, and customers eager to get their pools summer-ready. But with the sunshine comes a surge in risks that could impact both your business and personal well-being.
According to the Centers for Disease Control and Prevention, spring and summer see nearly 12 million more emergency room visits than fall and winter. Between increased time on the road, heavy lifting, handling chemicals, and simply being exposed to more outdoor activity, the potential for injury—or a costly accident—is significantly higher.
So how do you protect yourself?
The answer is insurance—and not just any insurance, but the right mix of coverage tailored to what pool professionals face every day. Here’s a breakdown of the policies you should have on your radar this season.
Disability Insurance
Accidents don’t just hurt your body—they can hurt your income too. Disability insurance provides income protection if you’re ever unable to work due to an illness or injury. There are two types:
Short-term disability (STD) covers a portion of your income for a few months.
Long-term disability (LTD) offers support if you’re out of work for an extended period.
This is especially important for solo pool pros or business owners who rely on their ability to show up and do the work themselves.
General Liability Insurance (GLI)
A staple for every swimming pool business, General Liability Insurance helps protect you if a third party claims bodily injury or property damage because of your services. Whether it’s a chemical spill, damage to a client’s deck, or a trip hazard on-site, GLI can cover legal fees, settlements, and medical costs.
You can purchase it on its own or as part of a Business Owner’s Policy (BOP) to bundle with other essential coverages.
Workers’ Compensation Insurance
If you have a team, Workers’ Compensation Insurance is a must. It helps cover:
Lost wages when an employee is injured and needs time off.
Medical bills and treatment costs.
Rehabilitation services to help them recover and return to work.
Death benefits in the tragic event of a work-related fatality.
With summer comes higher demand, which means your crew might be working longer hours in intense heat. Protecting your team is protecting your business.
Commercial Auto Insurance
From hauling equipment to driving between job sites, your vehicle is a big part of your business. Commercial Auto Insurance ensures you’re covered if your work vehicle is involved in an accident, vandalized, or damaged. Personal auto insurance doesn’t usually cover vehicles used for business—so don’t overlook this one.
Play It Smart This Summer
The best way to enjoy a busy summer season is with peace of mind. Insurance isn’t just a box to check—it’s the safety net that keeps your business afloat when the unexpected happens. Whether you’re diving into pool cleanings, installing new systems, or enjoying some well-earned travel, make sure you have the right coverage in place.
Your business is your livelihood. Take time to connect with a licensed insurance agent and review your policies. Staying ahead of risk is one of the smartest moves you can make—not just for your company, but for your future.
Contact us today to learn how The SPPA – Swimming Pool Pro Alliance can help you navigate coverage, reduce risks, and stay focused on what you do best.