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Whether you are engaged in the construction and installation of outdoor or indoor swimming pools, you are exposed to a number of risks that you should protect yourself against.
Specifically, purchasing business insurance for pool contractors helps safeguard your financial interests. Pool cleaners, who face lesser risks, often buy coverage for themselves, so as a contractor, it’s wise to get insured.
It protects you from many possible risks associated with building, installing, and maintaining swimming pools. A swimming pool construction insurance policy ensures that you remain financially secure even when accidents happen.
In addition to providing financial protection and reputation management, commercial swimming pool insurance can help secure jobs. Some clients will only offer you contracts if you can provide proof of insurance.
Sometimes, swimming pool company insurance may offer public liability insurance instead of general liability insurance. This works similarly by covering:
If you rely on various tools and equipment for pool installation, it’s smart to get .This covers expenses if your tools get damaged or lost due to fire, theft, vandalism, or operator error. Use the table above to compare tools and equipment insurance options.
| 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 |
A Business Owner’s Policy (BOP) combines commercial property insurance into one package. It provides streamlined protection against commercial losses and liabilities.
| 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 |
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.
| 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 |
Get all the best quotes from leading providers in a click of a button!
It caters to the cost of repair or replacement when moving your tools and equipment from a workshop to a customer’s property gets stolen, vandalized, or damaged.
commercial auto policy 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.
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.
Swimming Pool Service Insurance Cost
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:
| 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 |
Here’s a breakdown of the best swimming pool service insurance carriers to help along with your search.
Average cost: $25 per month
Average cost: $29 per month
Tivly® covers you through its contractor insurance package. Policies you can get are general liability insurance,swimming pool builder insurance, professional liability insurance, and more. You can call to compare quotes over the phone.
Average cost: $31 per month
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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.
Average cost: $33 per month
Thimble’s 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.
Average cost: $35 per month
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.
Average cost: $36 per month
Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!
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Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
