For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
Whether you are engaged in the construction and installation of outdoor swimming pools or indoor pools, you are exposed to a number of risks that you should protect yourself against.
Specifically, you ought to look into purchasing a swimming pool installation insurance policy to protect your financial interests as well as your reputation. Consider getting insured because pool cleaners, who face lesser risks, purchase coverage for themselves.
Swimming pool contractor insurance protects you from the many possible risks associated with working as a contractor that builds, installs, and maintains swimming pools. A swimming pool construction insurance policy is a means to ensure you remain afloat even when accidents happen.
Similar to waterproofing contractors, roofing contractors, and masonry contractors, you’ll find business insurance helpful. Consider how problematic things can get if you're not insured and the following happens:
A child plays with small tools and equipment while you and employees are busy with the finishing touches of a pool
Your employee puts an excessive amount of chlorine in the pool, and this caused chemical burns
All of these represent real-life situations that could end up with your business being tied up in a continuing legal battle. Moreover, even with the right skills and work procedures, mistakes will inevitably happen, which is why you ought to get a swimming pool business insurance that covers this exposure.
Other than providing your financial investment and reputation some sort of cushion, commercial swimming pool insurance helps you secure jobs. Specifically, there are clients who will only offer you a contract if you can provide proof of swimming pool contractor insurance.
In order to be covered, you must carry the right swimming pool contractor insurance portfolio. Here's a breakdown of the different coverage types you are going to need.
CoverWallet | NEXT (Best) | Thimble | Hiscox | |
---|---|---|---|---|
Per occurrence limit | $1,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
Aggregate limit | $2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
Tenant’s legal liability coverage limit | $1,000,000 | $100,000 | $5,000 | $100,000 |
Waiver of subrogation included? | Yes | No | Included | Can be included |
Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included |
Equipment breakdown floater included? | No | Yes | Yes | Can be included |
Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes |
Name additional insureds? | Yes | Yes | Yes | Yes |
Deductible | $0 | $0 | $0 | $0 |
A property damage or bodily injury liability lawsuit can be financially devastating to your swimming pool business. Even in situations where the courts don't rule against you, a lawsuit could still take a toll on your finances as the cost of legal services are never cheap.
As such, you want to stay proactive in protecting your business by purchasing general liability insurance. Use the table above to compare the features of this swimming pool contractor liability insurance, as underwritten by companies we recommend.
This pool service liability insurance shields your business from losses by covering these costs when a claim for property damage or bodily injury is filed by clients, independent contractors, and other third parties:
Medical treatment
Property damage reimbursement
Settlements
Legal defense costs
Court judgments
Just like the general liability insurance of electrical contractors, drywall contractors, and concrete contractors, your general liability insurance can have these add-ons:
Tools and equipment coverage
Products and completed operations coverage
Rented premises liability coverage
Hired/non-owned auto liability coverage
Swimming pool company insurance programs for pool installation or repair might offer a public liability insurance instead of general liability insurance. If this happens to you, then worry not. A public liability insurance for swimming pools works the same way as general liability insurance. It covers these liability exposures:
Bodily injury
Property damage
Get all the best quotes from leading providers in a click of a button!
NEXT (Best) | Thimble | Hiscox | |
---|---|---|---|
Aggregate limit | $5,000/$10,000 | $2,500/$5,000 | $5,000/$25,000 |
Covers hired and borrowed equipment? | $5,000/$10,000 | $2,500/$5,000 | No |
Miscellaneous equipment also covered? | $5,000/$10,000 | No | No |
Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
Deductible | $500 | $500 | $0 |
You use different types of equipment to build or install swimming pools. Since you're heavily reliant on them to complete jobs, it’s smart to get tools and equipment insurance for swimming pool contractors, paving contractors, and siding contractors.
Tools and equipment insurance will cover expenses if pool installation tools and equipment get damaged or lost because of fires, theft, vandalism, operator error, and other covered perils. Use the table above to compare the tools and equipment insurance of companies we recommend.
Suppose your current policy stipulations do not cover the claims or scope of an incident. To mitigate this risk, you want to seek out extra coverage through excess liability coverage. Also called umbrella liability coverage, this covers claims exceeding the limits stipulated by the underlying policy's terms. Additionally, the umbrella policy covers losses outside of those outlined within the initial policy.
Let's look at a real-life example of when an umbrella liability policy would come in handy. Suppose you use a backhoe to dig a pool, and you accidentally destroy the customer's property. If the general liability coverage were to be depleted before the full settlement amount is covered, the umbrella coverage would step in to help you pay the amount in excess of the limits of the general liability coverage.
CoverWallet | NEXT (Best) | Hiscox | Thimble | |
---|---|---|---|---|
Building coverage limit (minimum) | $50,000 | $100,000 | $25,000 | $25,000/$500,000 |
Contents coverage limit (minimum) | $50,000 | $16,000 | $25,000 | $25,000/$500,000 |
Outdoor signs | Excluded | $2,500 | Excluded | Excluded |
Accounts receivable | Excluded | Excluded | Included | $5,000/$10,000 |
Money and securities | Excluded | $2,500 | Included | $1,000 |
Lock and keys | Excluded | $2,500 | Excluded | Excluded |
Business interruption floater | Excluded | Included | Included | Included |
Equipment breakdown floater | Excluded | Included | Excluded | Excluded |
Inland marine insurance floater | Excluded | Excluded | Excluded | $10,000 |
Employee dishonesty floater | Excluded | $5,000 | Included | $2,500 |
Chances are that as a pool contractor, you own or lease property. You want to protect said property with commercial property insurance. The table above allows you to compare the features of the commercial property insurance from the best insurance companies for swimming pool contractors.
Significant investments must be made to run a swimming pool business well. You need to have an office, a warehouse for storing equipment and construction materials, as well as safety gears for employees.
The first job of commercial property insurance is to reimburse losses if fire, theft, vandalism, weather, falling objects, vehicles, and other covered perils.
As for its second function, commercial property insurance for swimming pool contractors, EIFS contractors, and fence contractors can be used to avoid financial strain if computers, equipment, construction materials, and valuable papers and records get damaged or destroyed while in the business premises.
CoverWallet | Thimble | NEXT (Best) | Hiscox | |
---|---|---|---|---|
General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000/$2,000,000 |
Commercial property coverage limit | $50,000 | $500,000 | $100,000 | $25,000 |
Optional policies can be added? | Yes | Yes | Yes | Yes |
Name additional insureds for free? | Yes | Yes | Yes | Yes |
BOP discount? | Yes | Yes | Yes | Yes |
A business owner’s policy is an insurance product that’s made by combining general liability insurance and commercial property insurance. Consider getting this if you want a policy that provides a quick and straightforward coverage against commercial losses and legal liabilities.
By the way, a business owner’s policy can be added with professional liability, inland marine, and other policies depending on which insurance company designed it. Use the table above to compare the business owner’s policies of companies we recommend.
Typical of any trade in the construction industry, chances are you'll be moving your wares, tools and equipment from a workshop to a customer's property. During this move, there's a likelihood that any of these could be stolen, vandalized, or damaged. As such, you want to protect these from some of the common perils with inland marine coverage.
The inland marine policy caters to the cost of repair or replacement, thus significantly cutting down the downtime. This means that you can be up and running even when the unexpected happens.
It is important to mention that inland marine coverage will, at times, be sold as"floater" coverage. This means that you can avail it as an add-on to commercial property insurance or business owner’s policy.
If you have a motor vehicle that you use to transport your wares, tools, equipment and employees from one site to the other, it would be best that you get a commercial auto policy. The latter covers you in the event that the motor vehicle causes property damage or bodily injury.
Other than the third-party property damage and medical bills, commercial auto coverage also covers theft, vandalism, and weather damage on the commercial motor vehicle.
Commercial auto insurance can be also used to cover the medical treatment of passengers if your commercial vehicle gets involved in an accident caused by an uninsured/underinsured driver.
Are you worried about the swimming pool getting damaged before it’s completed? Then consider getting builders risk insurance. Builders risk insurance provides reimbursement for losses in case something happens to the pool during construction.
Typically, you'll find the pool pop up insurance coverage within the products and completed operations policy. True to the name, the policy acts as an endorsement to general liability insurance that covers the potentially high cost of product replacement.
In your case, products and completed operations coverage can reimburse the financial losses of the client, cover medical treatments if your defective work caused injuries, and even pay for extra labor costs for reversing the pool pop up.
Cost per Month | Cost per Year | Deductible | |
---|---|---|---|
General liability insurance | $38 | $456 | $0-$500 |
Professional liability insurance | $42 | $504 | $500-$1,000 |
Commercial property insurance | $50 | $600 | $1,000-$2,500 |
Business owner’s policy | $88 | $1,056 | $500-$1,000 |
Commercial auto insurance | $70 | $840 | $1,000-$1,500 |
Workers compensation insurance | $150 | $1,800 | $2,000-$5,000 |
Tools and equipment insurance | Cost usually added to general liability insurance | Cost usually added to general liability insurance | $500 |
Builder’s risk insurance | 1%-5% of the project’s cost | 1%-5% of the project’s cost | $1,500 |
The average swimming pool contractor insurance cost is $38 per month or $456 per year for a $1 million general liability insurance. This swimming pool business insurance cost is subject to a number of factors, including:
The swimming pool services offered
Business income
Types of coverage purchased
Policy limits and deductibles
Business property and equipment
To get a further idea about how much you’ll pay for premiums, here’s a table showing the swimming pool service insurance cost of the $1 million general liability policy of companies you might want to try working with:
Cost per Month | Cost per Year | Best for | |
---|---|---|---|
NEXT | $25 | $300 | Best overall; Fastest general liability insurance for pool contractor |
CoverWallet | $29 | $348 | Swimming pool service insurance quotes comparison online |
Tivly | $31 | $372 | Comparing quotes over the phone |
Hiscox | $33 | $396 | Swimming pool service insurance with automatic policy renewal |
Thimble | $35 | $420 | Flexible coverage |
The Hartford | $36 | $432 | Swimming pool service insurance with umbrella liability coverage |
Get all the best quotes from leading providers in a click of a button!
Even if you've gone years being accident-free, it takes only a single event for your business to plunge into serious financial turmoil. As such, you want to be armed with a reliable pool contractor insurance program. The latter is only possible through working with the best swimming pool service insurance companies in the market.
Here's a breakdown of the best swimming pool service insurance carriers to help along with your search.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for pool contractors
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT doesn’t have a specialized pool contractor insurance program. However, it can provide coverage through its general contractor insurance that’s offered in partnership with Tivly. Policies you can get from this company are general liability, commercial property, workers' compensation, and others.
Best for: Best overall; Fastest general liability insurance for pool contractors
Average cost: $25 per month
Our rating: 10/10
Stable rates
Cancel a coverage anytime
Compare swimming pool service insurance quotes online
Easily add an unlimited number of additional insureds in your policy
Not an insurance company but an insurance broker
CoverWallet’s swimming pool service insurance comes from its partners. This company helps you find the best options with its online quotes comparison platform. When you’re done comparing quotes, you can then decide to purchase a coverage online or call an agent to end the transaction.
Best for: Swimming pool service insurance quotes comparison online
Average cost: $29 per month
Our rating: 10/10
Compare quotes over the phone
Responsive customer service
Coverage can be purchased from NEXT
You need to call to get a quote
(formerly CommercialInsurance.NET) covers you through its contractor insurance package. Policies you can get are general liability insurance, builders risk insurance, professional liability insurance, and more. Call Tivly now to compare quotes over the phone.
Best for: Comparing quotes over the phone
Average cost: $31 per month
Our rating: 10/10
Worldwide coverage
Automatic policy renewal
Has a considerable underwriting portfolio
Poor customer reviews
Hiscox doesn’t have a pool contractor package online. However, you can call an agent who’ll arrange a related insurance plan that works. Work with this company because your insurance policies renew automatically.
Best for: Swimming pool service insurance with automatic policy renewal
Average cost: $33 per month
Our rating: 9/10
Instant certificate of insurance (COI)
Convenient mobile application available to policyholders
The COI can be used to verify different aspects of the policy including liability limits and policy end dates
Policyholders might overpay for policies they don't need
Policyholders cannot file claims through the mobile app or the official website
What stands out about Thimble's offering is that you can purchase coverage for only a time period. This means you can purchase coverage by the hour, day or month. If you work only during summer months, you can purchase the policy for just that time.
The package starts with a base of general liability coverage and professional liability policy. You have the option of adding on policies for more customized protection.
Best for: Flexible coverage
Average cost: $35 per month
Our rating: 9/10
Pop-up coverage is offered at no additional cost
Design and installation E & O custom to your business
Contractors limited pollution offered
The Hartford will only cover you if you subcontract less than 50% of your work
More than expected number of customer complaints
The Hartford has over 15 years experience offering swimming pool contractors customized insurance solutions. The carrier comes with a team of dedicated experts focused on the pool and spa industry.
The swimming pool service insurance package includes the following:
General liability coverage
Umbrella coverage
Inland marine
Workers' compensation policy
Commercial protection
Commercial auto coverage
Optional coverage options include:
Pool pop-up
Contractors' pollution liability
Diving board and slide installation coverage
Best for: Swimming pool service insurance with umbrella liability coverage
Average cost: $36 per month
Our rating: 8/10
This company does not care about the people they insure or the people that work for the company. They do stupid meets all day long about quality on calls while injured workers sit in pain waiting for answers but can never get to anyone to help them. This company hires uneducated people to run the company so that nothing important get done. I have heard so many stories about injury workers having bad service. They can’t never get their claims adjuster on the phone and the doctors that this company tells people to go to do not care about their patients causing their injuries to become worse. This company neglect on taking care of people’s injured employees have caused people to end up with disabilities for the rest of their life. if you get insurance under this company you will end up having to hire a lawyer to fight them in court. Do not get a policy with this company. Your employees will pay the price and so will the owners of the company. Honestly they need to get shut down. Avoid at all cost do not get this insurance and do not work for this company.
Terrible customer service. I got this insurance for my Amazon store when I ran one, took a break and cancelled all my subscriptions. I called these guys and they recommended sending an email. They never responded and have been charging me since then. Definitely going to dispute via the bank. Hate when businesses take advantage of other small businesses for their own gain.
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another. Every conversation had an under lying tone of me being dishonest. Finally I just gave up with them and filed a despite with my bank which took all of three days.. So now I'm continuing to receive emails that my policy is past due and will be cancelled. Funny, I was told I didn't have a policy because they couldn't locate it.
Purchased the General Liability policy I needed to fulfill a contract for my hiring party. Simply Business made it very easy to complete an application and review multiple quote options. Ended up purchasing a policy for 1/2 of what I originally was told by my agent.
I insured my small business with them from early 2016 to January 2022. I had a workman's compensation policy with them the entire time for my staff of approximately 10 people which fluctuated up and down minimally over the years. We ran a very safe operation and never had so much as one claim. I sold my business in early 2022 and cancelled my policy which triggered a final audit of $2871.00 which was owed back to me. Of course I dissolved my LLC immediately after selling the business and thus closed my bank checking account at the advise of my accountant. Though my name was on the business policy, Employers Preferred Insurance Company refused to issue a check to me directly as the policy holder due to...you guessed it, policy. Long story short, if you sell your business keep a small amount deposited in the checking account because it's almost a guarantee that companies such as Employers will use their policy to weasel their way out of money owed after the dissolution of a business. I should have known that I would be treated a just another number shortly after I signed with them as the sales agent just disappeared after I was set up for an online account to manage my policy. My next business venture will entail me working with an actual insurance agent who has an office in an actual brick and mortar building!