A cheap policy can be expensive if the work you actually perform falls outside its terms. Before requesting quotes, make a list of your real services and ask a licensed insurance professional to walk through them with you.
Write down the work you really perform
Separate weekly cleaning, chemical treatment, leak detection, equipment repair, electrical or gas work, renovation, new construction and subcontracted work. Tell the agent about seasonal changes and new services. A general description such as “pool service” may not answer whether every activity is covered.
Ask for the exclusions in writing
Request the coverage form, endorsements, limits, deductible and exclusions. Ask specifically how the policy treats chemical releases, pollution, completed operations, employee injury, vehicle incidents and subcontractor work. Do not assume a certificate of insurance expands a policy.
Compare the operation, not only the premium
Check whether customers or commercial contracts require additional insured endorsements, higher limits or proof of coverage from subcontractors. Review how your tools, vehicles and inventory are covered. Ask how claims must be reported and what records the carrier expects you to retain.
Review coverage as the business changes
Add new locations, crews, vehicles or construction work to your annual review. Keep a dated record of what you told the agent and what was confirmed. Requirements and coverage vary by policy and jurisdiction, so have a licensed agent and legal adviser review the actual documents before relying on them.
Sources to review
Keep the customer, the work and the next action connected.
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