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What is swimming pool contractor insurance?
A swimming pool contractor liability insurance policy is designed to cover your business if you face a third-party lawsuit for bodily injuries or property damage resulting from the work you do for a customer, whether it’s an inground pool, above-ground pool, semi-inground pool, or hot tub. Depending on the coverage options you select, it can also safeguard your business from unexpected events such as severe weather, theft, or fire.
Why do pool contractors need insurance?
Swimming pool contractors face many risks including issues arising from digging and installation, adverse weather, and the design of the drainage system.
For instance, if you build a pool for a customer and at some point it malfunctions and causes water to leak into your customer’s home, you may be legally responsible for fixing the pool and repairing the damage to your customer’s dwelling. If the customer decides to sue your business, that third-party lawsuit for property damage could run into thousands of dollars and potentially bankrupt your operations if you are uninsured. Third-party legal claims can occur while work is being done as well as after the work is completed.
A comprehensive swimming pool contractors’ insurance policy is ideal for:
- Swimming pool installers
- Swimming pool repair and cleaning contractors
- Hot tub, sauna and spa installers and repair technicians
What does it cover?
A comprehensive insurance policy for a swimming pool business may include the following types of coverages:
- Commercial Crime Insurance
- Leased, Rented, Borrowed Equipment Insurance
How much does it cost?
The cost of a basic or standard swimming pool contractor insurance policy is determined by insurance companies and is based on several factors, such as:
- The industry you’re in and the services you provide
- Your business’s size and location
- How many employees you have
- Years of experience
- Your annual and projected revenues
- Your history of insurance claims
Most swimming pool and hot tub contractors purchase a policy with up to $2 million of general liability coverage. However, no two insurance policies are alike. Have a chat with one of our licensed brokers to gain a better understanding of the risks you face and how a customized insurance policy can help protect you.
Common claims scenarios
Frequently asked questions
Other contractor trades we can provide coverage for:
Appliance repair
Antenna and satellite installation
Cable installers
Decks and fencing
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