Any business operating within the pool, spa or hospitality industry needs to have appropriate insurance benefits. The right combination of coverage will protect your bottom line in the event of numerous hazards, which while unexpected could still be financially devastating to both your business and your customers. You have to be equipped to take care of yourself if you want your business to survive these challenges. Proper insurance benefits will ensure you have this coverage.

If you are in the pool & spa industry, whether it be as a contractor, retailer or manufacturer, The Griffith Agency can keep your business protected no matter what the scope of your operations. We serve the pool & spa businesses in Boca Raton, FL, Delray Beach, FL and surrounding areas, and we’re committed to helping every business get optimized coverage.

What Insurance Options are Best for Pool & Spa Businesses

Your insurance benefits must be customized to meet the operating liabilities specific to your business. Therefore, based on your place within the pool and spa industry, your coverage needs will vary.

However, essential benefits that almost every business owner might need include:

• Commercial property insurance: If something damages physical property—such as your building or possessions—then this coverage can help you repair or replace them.
• General liability insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
• Business interruption insurance: This helps you pay the bills if you must temporarily close after a damaging accident.
• Commercial auto insurance: When the company owns vehicles, this coverage will supply the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
• Workers compensation insurance: If an employee gets hurt on the job, they are often eligible for workers compensation. It will supply them supplementary income during their recovery.
• Errors & omissions insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
• Surety bonds: If you are contractually bound to certain clients, then bonds will guarantee them that you will repay them if you cannot meet your obligations.

Of course, there are many other policies available designed to protect you against specific risks and liabilities. These include:

• Inland Marine Insurance
• Employment Practices Liability Insurance (EPLI)
• Products/Completed Operations Liability Insurance
• Cyber Liability Insurance
• Umbrella Liability Insurance
• Hired/Non-owned Auto Liability Coverage

At the end of the day, our job is to help you comprehensively design a far-reaching package of benefits that will work in tandem to protect you (at times when you need them most). That’s why we will treat you as the unique operator you are, and tailor your policies accordingly.

Need coverage for your pool & spa business? Contact us today to get in touch with one of our agents and build an industry specific package to keep you and your business protected.