Business Auto Insurance For Pool Cleaners A pool cleaner must travel to carry out the duties of his job. Traveling from one client’s house to another is a common daily event for residential pool cleaners for example, and commercial cleaners must travel from one corporate location to another. Increased driving puts your company at a greater risk of having an auto accident. That is why carrying business auto insurance for pool cleaners is strongly recommended. Commercial auto insurance for pool cleaners helps protect your company from suffering financial hardships when auto accidents occur. If the accident destroys company equipment and tools, or a company vehicle, they can be extremely expensive to replace. Depending on how you would like to structure your policy, your company’s business auto insurance provides protection for several forms of vehicle and equipment damages, as well as losses caused by collisions, roll overs, fire or theft. Bodily injury portions of your policy pay for emergency treatment and medical care costs for your driver or passengers when applicable as well.

Commercial Auto Liability Insurance For Pool Cleaners Commercial auto liability insurance for pool cleaners is mandated by law in most parts of the country. This is the most basic level of insurance protection that you can carry, and it helps protect both your company and other drivers. If you or an employee is the cause of an auto accident, your pool cleaners liability insurance can pay for the damages and injuries so that you don’t have to. Accident victims and other drivers also do not have to pay for injuries or damages that they didn’t cause. Commercial liability auto insurance provides coverage you and your pool clearing employees if you are driving somewhere for work purposes. When an employee is driving between customer locations for example, or delivering pool cleaning chemicals or equipment, your pool cleaner’s commercial auto insurance coverage keeps you protected. Other CoveragesGeneral Liability Workers Comp A combined single limit (CSL) business insurance policy protects you by providing one fixed maximum benefit payout amount per accident.

This coverage does not limit payments based on the type of injuries or damages caused in an accident. It just provides coverage up to the total maximum as written in your policy. For example, if one of your pool cleaners causes an accident and multiple people sustain physical injuries, all of the payout benefits from your CSL policy may be used to pay for bodily expenses with little to nothing applied to property damages. A split limit policy is auto insurance that places limits on how much of your policy benefits are paid towards different types of auto accident damages. The minimum amount of coverage you are allowed to carry is set by state laws. Your active business policy specifies maximum payout totals for either property damages or bodily injuries separately. For example, if you choose a split limit policy of $100,000/$300,000/$50,000 for your commercial pool cleaner’s auto insurance: Your policy would pay no more than $100,000 for each individual’s bodily injuries.

Your policy will pay no more than $300,000 for the combined total of bodily injuries. Your policy will pay no more than $50,000 for the combined total of property damages.cheap carpet cleaning south west london Physical damages coverage is extra business insurance protection against the loss of your company vehicles. carpet cleaning machine leaseFor example, if one of your pool cleaners has an auto accident while driving a company-owned pump truck, the truck may be destroyed. carpet cleaner vinegar waterBy carrying physical damages protection as part of your business auto insurance policy, it will pay for the cost of replacing that truck.rent carpet cleaner baltimore

Physical damage insurance coverage may include: Business Auto Insurance For Pool CleanersUsher with sons Usher V (right) and Naviyd Raymond. pure blue pool cleanerThe 5-year-old Usher nearly drowned when he became stuck to the bottom of a pool at his aunt's house.pool cleaning austin texas Usher's 5-year-old son survived a near-drowning incident involving a pool drain, but each year other kids aren't so lucky. The suction created by the drains can trap children under the surface or catch limbs, in some cases causing serious injury or death. "The force of a drain on a residential pool has a weight of at least 500 pounds," said Paul Pennington, founder and chairman of the Pool Safety Council, a non-profit advocacy group. "A parent can't lift 500 pounds off the ground." An average of 390 children under 15 die each year from pool or spa-related submersion injuries, including drowning or near-drowning incidents, according to 2008-2010 statistics from the U.S. Consumer Product Safety Commission.

Forty-eight percent of injuries and 73% of fatalities involving kids under 15 occurred at a residence, not a public pool. Pool drains were responsible for sending 39 people, mostly children, to the emergency room from 2008 to 2012. Their injuries ranged from bruising to fractured toes to rectal and intestinal prolapse caused by drain suction. Two girls, a 6-year-old and a 14-year-old, died. The Atlanta home where the incident occurred. Many older residential pools may not have the safety features required by law for public pools, or may not have been checked recently enough. In 2007, Virginia Graeme Baker, the 7-year-old granddaughter of former secretary of state James Baker, drowned after sitting on a hot tub drain and getting stuck. This prompted the Pool And Spa Safety Act, which called for public pools to replace flat drain covers with large, rounded covers that do not create suction. It also called for mechanical backup systems on single-drain pools that trigger a vacuum release if a person or object becomes caught in the drain.

But many older residential pools and hot tubs don't have the updates, and states vary in requiring the safety vacuum releases for new private pools, Pennington said. Even the new, domed drain covers present a hazard if they're not checked regularly, as the screws holding them in place will come off or rust through. In the case of young Usher Raymond V, the boy became trapped by the drain's suction when he reached in to retrieve a toy. That "should never have happened," Pennington said, adding that drain covers should be regularly checked and replaced by pool maintenance professionals. If a pool drain is not properly covered, the force of suction can seal children to the drain or catch limbs. Here are some additional tips for preventing this type of accident. Get the proper safety features: Every residential pool should have up-to-date domed drain covers that are securely attached, plus a safety vacuum release system, Pennington said. There are also protectors that block the drain pipe underneath the cover so children's hands and feet won't get stuck inside.