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Swimming Pool Contractor Insurance: Quotes From $11/month

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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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.

Why Get Swimming Pool Contractor Insurance?

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.


Pool Service Liability Insurance


CoverWalletNEXT (Best)ThimbleHiscox
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?YesNoIncludedCan be included
Hired/non-owned auto liability coverage included?YesNoExcludedCan be included
Equipment breakdown floater included?NoYesYesCan be included
Can you get a certificate of insurance online?YesYesYesYes
Name additional insureds?YesYes
YesYes
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


Public Liability Insurance for Swimming Pools

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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Tools and Equipment Insurance for Swimming Pool Contractors


NEXT (Best)ThimbleHiscox
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/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoNo
Offered as an endorsement to general liability insurance?YesYesYes
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.


Excess Liability Insurance for Swimming Pool Contractors

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.


Commercial Property Insurance for Pool Contractors


CoverWalletNEXT (Best)HiscoxThimble
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 signsExcluded$2,500ExcludedExcluded
Accounts receivable ExcludedExcludedIncluded$5,000/$10,000
Money and securitiesExcluded$2,500Included$1,000
Lock and keys Excluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcludedExcluded$10,000
Employee dishonesty floaterExcluded$5,000Included$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. 


Business Owner’s Policy for Swimming Pool Contractors


CoverWalletThimble 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?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


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. 


Inland Marine Insurance for Swimming Pool Contractors

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. 


Commercial Auto Insurance for Swimming Pool Contractors

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. 


Builders Risk Insurance for Swimming Pool Contractors

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. 


Pool Pop up Insurance Coverage

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. 

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Swimming Pool Service Insurance Cost 


Cost per MonthCost per YearDeductible
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 insuranceCost usually added to general liability insuranceCost usually added to general liability insurance$500
Builder’s risk insurance1%-5% of the project’s cost1%-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 MonthCost per YearBest for
NEXT$25$300Best overall; Fastest general liability insurance for pool contractor
CoverWallet$29$348Swimming pool service insurance quotes comparison online
Tivly$31$372Comparing quotes over the phone
Hiscox$33$396Swimming pool service insurance with automatic policy renewal
Thimble$35$420Flexible coverage
The Hartford$36$432Swimming pool service insurance with umbrella liability coverage

Compare Cheap Swimming Pool Contractor Insurance Quotes Online

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Best Swimming Pool Service Insurance Companies

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.

 

NEXT Swimming Pool Service Insurance

Pros

  • 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

Cons

  • 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


CoverWallet Swimming Pool Service Insurance

Pros

  • Stable rates

  • Cancel a coverage anytime

  • Compare swimming pool service insurance quotes online

  • Easily add an unlimited number of additional insureds in your policy

Cons

  • 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


Tivly Swimming Pool Service Insurance

Pros

  • Compare quotes over the phone

  • Responsive customer service

  • Coverage can be purchased from NEXT

Cons

  • 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


Hiscox Swimming Pool Service Insurance

Pros

  • Worldwide coverage

  • Automatic policy renewal

  • Has a considerable underwriting portfolio

Cons

  • 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


Thimble Swimming Pool Service Insurance

Pros 

  • 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

Cons

  • 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


The Hartford Swimming Pool Service Insurance

Pros

  • Pop-up coverage is offered at no additional cost

  • Design and installation E & O custom to your business

  • Contractors limited pollution offered

Cons

  • 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


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