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
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| 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 place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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