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In the tutorial, the speaker discusses the importance of liability insurance for operating a full-service pool company. They emphasize that mistakes can happen, whether made by the owner or employees, which could lead to liability claims. A specific case is highlighted where a friend faced a lawsuit when a child fell into a pool due to an employee allegedly leaving a gate open. Although the child survived, they suffered brain damage, resulting in a claim exceeding a million dollars. Fortunately, the friend's liability insurance covered the claim, preventing significant financial loss. The speaker stresses that without such insurance, operators risk losing their assets and facing bankruptcy.
