As a pool professional and business owner, you face a variety of risks every day. General Liability Insurance is designed to help protect your business from these exposures—both financial and reputational—so you can focus on what you do best: creating clean, safe pools.
What Is General Liability Insurance?
General Liability Insurance provides a financial backstop against claims arising from bodily injury, property damage, or advertising injury. In the pool industry, this means coverage for incidents like:
Overfilling a pool and damaging a customer’s property
A visitor slipping on a wet deck at a job site
Accidental damage to surrounding landscaping or structures
By paying your premium, you lock in protection against the potentially devastating impact of a major incident.
The True Cost of Being Uninsured
While every business needs insurance, it can feel expensive at first glance. On average, a small pool company might spend:
$99 per month for a Business Owners Policy (BOP)
$111 per month for Workers’ Compensation
That’s $2,520 annually for just two basic policies. But consider the alternative: a single lawsuit or property-damage claim could far exceed those costs and jeopardize your entire operation.
Why Rates Are Rising—and How to Fight Back
Rates are increasing across the board due to factors like:
Rate inflation and escalating repair costs
Loss exposure tied to more complex pool systems
Large court judgments and a rising tide of lawsuits
Insurers’ own losses—U.S. property/casualty carriers lost $36 billion over the past two years (A.M. Best)
It’s not any one company raising premiums—it’s the whole industry responding to market forces.
The best way to keep rates low? Keep your claims low. Stay proactive:
Maintain detailed records for every account
Log all chemical treatments in a chemical log
Take before-and-after photos of your work
Use a clear contract outlining your scope of work
Partner with Experts Who Have Your Back
Navigating the pool industry’s unique challenges takes a syndicate effort. You deserve an agent or program that:
Understands pool-specific risks
Advocates for competitive rates and comprehensive coverage
Offers guidance on industry best practices
At SPPA, we offer Comprehensive General Liability Insurance Tailored Specifically for Pool Professionals. Our team fights for your needs and keeps you educated on emerging risks, so you can run your business with confidence.
👉 Learn more about General Liability Insurance for pool professionals at www.thesppa.com