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Swimming pool and jacuzzi supplies such as filters, chemicals, pumps, heaters and covers can be purchased at these stores. Related accessories, such as inflatable mats and toys, goggles, fins and patio decorations may be sold as well. Products may be used by customers with home swimming pools or jacuzzis, or by individuals who operate swimming pool businesses, such as recreation centers and parks.

General Liability Insurance for Swimming Pool Supply Stores – Premises liability risks for swimming pool supply stores are similar to other retail locations, such as falls, slips, or display unit collapse. Good housekeeping requires that floors be swept daily. Merchandise should be well organized and placed securely on shelving units. If display jacuzzi or pool units are present, they should be properly secured to prevent customers from falling in. Any spills or overflows should be cleaned up immediately and indicated with “Wet Floor” signage. When making deliveries or repairs at customers’ premises, care must be taken to not damage customers’ property.

Workers’ Compensation Insurance for Swimming Pool Supply Stores – Personal protective equipment should be provided to all employees required to handle hazardous pool and jacuzzi chemicals. Additionally, Material Data Safety Sheets (MSDS) should be available for quick reference for any hazardous chemical that is kept on premises. To prevent employee trips and falls, all walkways should be kept navigable and free of debris. If swimming pool supply stores’ employees are required to lift or move inventory, their training should include proper lifting techniques to reduce the risk of back injury. Care should be taken when opening boxes with a razor blade, scissors or when using a sharp object for any other purpose. Electrical safety and lockout/tagout procedures must be followed while making any repairs.

Business Auto Liability Insurance for Swimming Pool Supply Stores – Business Auto risks increase when swimming pool stores make deliveries or require employees to run company errands. All drivers, whether using their own car or a company vehicle, should have a valid driving license, clean driving record and an acceptable amount of Personal Auto insurance. If deliveries are being made, drivers should know the local laws regarding the transport of hazardous materials – such as pool chemicals. Drivers should take care to ensure that all items for delivery are secured in the vehicle and unloaded properly.

Property Insurance for Swimming Pool Supply Stores – The presence of flammable chemicals and other combustible items puts swimming pool stores at a risk for fire. All chemicals should be stored in appropriate containers and kept away from trash, flammable items and ignition sources. A no smoking policy should be in effect for both customers and employees and indicated with visible signage.

Crime Insurance for Swimming Pool Supply Stores – Employee theft at a swimming pool supply store can be better controlled if procedures require separate employees to conduct activities in order to complete banking tasks. The division of duties allows for a check and balance where one employee can’t steal without conspiring with another employee. Burglary of money and securities can be reduced by the use of double cylinder deadbolt locks, bars around low visibility windows, adequate outdoor lighting and a central alarm system with the installation of contact point triggers on all opening doors and windows.