Which type of insurance is essential for a pool contractor?

For a pool contractor, having general liability and workers' compensation insurance is crucial because it provides broad coverage essential for protecting the business and its workforce. General liability insurance protects against claims arising from accidents, injuries, or damages that occur during the course of work. This could include incidents such as a client being injured on the job site or property damage caused during installation or repair work.

Workers' compensation insurance is equally important as it covers medical expenses and lost wages for employees who may get injured while performing their duties. Given the potential hazards associated with construction and maintenance work around pools, having this insurance is essential for complying with legal requirements and ensuring workers’ safety.

The other options do not provide the specific coverage and protection needed for a pool contractor's operational risks. Homeowner's insurance generally offers personal property protection, which does not cater to the business activities of a contractor. Rental insurance pertains to personal property rented by an individual and is not relevant to construction activities. Auto insurance covers vehicles but fails to address liability and workplace injuries related to the contractor's operations.