What is Swimming Pool Contractors Insurance?

The swimming pool installation and maintenance industry can be lucrative, but the work comes with potential risks. Should a pool-related accident be traced back to a contractor, the swimming pool contractor might be held financially responsible for any property or injuries that occur. Swimming pool contractors insurance helps protect contractors that install and maintain swimming pools from many of the possible risks they’re exposed to.

Swimming pool contractors insurance policies are uniquely designed to meet the insurance needs of contractors that install residential and/or commercial swimming pools. Most policies provide a host of coverages that can be adapted for a specific contractor’s needs.

What Coverages Do Swimming Pool Contractors Policies Provide?

Since policies can frequently be adjusted to meet a contractor’s needs, the exact coverages they provide can vary. Nevertheless, there are a variety of property and liability coverages that many policies include as either standard or optional protections. 

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Some of the property coverages that policies might offer include:

  • Commercial Property Coverage, which might protect buildings, equipment, and supplies that are on property a contractor owns
  • Inland Marine Coverage, which may protect equipment and supplies while they’re being transported to and from job sites
  • Extra Expenses Coverage, which might offer financial resources to pay for renting a commercial space if a contractor’s facility is rendered unusable by a covered incident
  • Equipment Breakdown Coverage, which may pay to have equipment that breaks during a covered incident repaired or replaced

The liability coverages that come with a policy may include:

Most swimming pool contractors also need commercial auto insurance, which itself typically offers a combination of property and liability auto coverages. Commercial auto insurance is sometimes purchased through a swimming pool contractors policy, and sometimes it’s obtained as a stand-alone policy.

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Are There Any Coverages That Swimming Pool Contractors Policies Don’t Offer?

Swimming pool contractors policies generally don’t offer workers compensation insurance, health insurance, life insurance (for business owners), or disability insurance. These coverages usually have to be purchased through separate policies.

What Contractors Should Consider Getting Swimming Pool Contractors Coverage?

Most contractors who install, service, or repair swimming pools ought to consider purchasing swimming pool contractors coverage. Even companies that don’t excavate land and install pools can still benefit from many of the protections that these policies provide.

How Much Does Swimming Pool Contractors Coverage Cost?

As is the case with most types of insurance, the cost of swimming pool contractors coverage varies a lot. Premiums are based on many different factors, such as:

  • What type of work a swimming pool contractor does
  • Where a contractor’s business is located
  • Whether a contractor has filed claims in the past
  • How many employees a contractor has
  • What type of equipment a contractor owns and uses
  • What coverages and limits a policy includes 

Make Sure You Have the Right Coverage

How Can Contractors Get Quotes on Swimming Pool Contractors Insurance?

To find out how much swimming pool contractors insurance would cost them, contractors in the industry should contact an independent insurance agent. An independent agent who’s familiar with this type of insurance will be able to help a contractor determine what coverages are appropriate for them. Then, the agent can request quotes from multiple insurers for policies that offer those coverages. With the agent’s help, it’s easy to find out how much a policy that provides the coverages a contractor needs costs.

Meet Your Industry Specialist

Tom Fontana 

Mr. Fontana joined World Insurance Associates LLC from AJ Gallagher. He is from Holmdel and is based in Tinton Falls, NJ. Tom has 29 years of insurance experience. In 1991, he founded his own insurance agency, Property & Casualty Group, which he sold to Bollinger in 2011.

Prior to starting his insurance career, Mr. Fontana was an ATP ranked professional tennis player and continues to stay active in sports with his specialization of insuring all types of sports facilities, including tennis clubs and pool management companies.

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