Swimming pool service and maintenance insurance in North Carolina

What insurance does a pool service business in NC need?

Core coverages include: commercial GL; pollution or chemical liability (covering claims from chemical exposure and spills); commercial auto; equipment coverage (pumps, filters, tools, chemical containers); and workers comp if you have employees. Confirm that your GL policy addresses chemical application and pool chemical exposure.

What is chemical liability for pool service companies?

Chemical liability (often addressed through a pollution liability endorsement or policy) covers claims arising from pool chemical exposure, a client or bystander injured by chlorine gas or acid fumes, improper chemical application causing injury, or a chemical spill contaminating property. Standard GL may exclude or limit these claims.

Does pool service GL cover equipment damage at a client's property?

GL covers property damage you cause to third parties. If you damage a client's pool equipment or surrounding property during service, that should be a covered GL claim. Equipment you own (your own tools and service equipment) requires separate inland marine or equipment coverage.

What auto coverage do pool service companies need in NC?

If you use a vehicle to transport equipment and chemicals to job sites (which virtually all pool service companies do), a commercial auto policy is required. Personal auto policies exclude business use. The transport of pool chemicals may also affect your commercial auto underwriting.