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Pool Cleaners Insurance

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Pool cleaners insurance

Pool cleaners insurance NZ

Pool cleaners insurance is a specific type of business insurance designed for individuals and companies who offer pool cleaning and maintenance services. This insurance offers financial protection against potential risks and liabilities that may arise while performing pool cleaning jobs. Such risks could range from property damage, accidental injuries, and equipment theft.

Why is pool cleaners insurance important? 

Pool cleaning, while seemingly straightforward, can come with a range of unexpected challenges and hazards. The significance of pool cleaners insurance lies in its capability to shield businesses from the financial consequences of accidents, mistakes, and unforeseen events.

In New Zealand, the average cost of pool cleaners insurance typically ranges between $100 – $150 per month. 

It’s crucial to have pool cleaners coverage if your business:

  • Uses specialized equipment
  • Operates on client properties
  • Hires multiple employees
  • Offers additional services

What covers are typically included in pool cleaners insurance? 

Public Liability

This policy covers common pool cleaners business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps pool cleaners businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Tool Insurance

Safeguards your pool cleaning equipment against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.

 

Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

Employers Liability

This insurance helps protect pool cleaning businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

How much does pool cleaners insurance cost?

Pool cleaners insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Pool cleaners insurance in NZ typically costs between $100 to $150 per month

Who needs pool cleaners insurance?

Any individual or company that offers pool cleaning or related services in New Zealand should consider pool cleaners insurance. This includes:

  • Independent pool cleaners
  • Pool cleaning companies with multiple employees
  • Contractors who offer pool cleaning as a part of broader services
  • Franchise businesses within the pool cleaning sector

No, pool cleaners insurance isn’t legally mandated in New Zealand. However, having it can demonstrate professionalism and provide peace of mind to both the service provider and clients.

Yes, a comprehensive pool cleaners insurance policy often includes coverage for equipment theft or damage, ensuring you’re protected from financial setbacks if your equipment is stolen or gets damaged.

How do I get proof of pool cleaners insurance

You can usually get proof of insurance same day when you purchase insurance through Gerrards.

Acquiring a pool cleaners insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our pool cleaners insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does pool cleaners insurance not cover?

Wear and Tear

Gradual wear and tear over time isn’t covered.

Contractual Liabilities

Liabilities assumed under a contract might be excluded.

Intentional Damages

Damages caused purposely won’t be covered.

Other common questions about pool cleaners insurance

Yes, most insurance policies automatically include employees, ensuring the entire team is protected. 

It depends on your specific policy. Some policies might cover related services like pool repairs or chemical treatments, while others might strictly cover cleaning. Discuss your range of services with your broker to ensure full coverage.

Typically, pool cleaners insurance is designed for operations within New Zealand. If you plan to offer services internationally, discuss this with your broker to understand coverage limits.

In the event of a claim, you should contact us as soon as possible. We will guide you through the claims process, ensuring all necessary documentation is submitted, and helping you navigate the procedure efficiently.

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