Swimming Pool Dealers and Installers Insurance

Swimming Pool Dealers and Installers Insurance Program

Colonial General Insurance Agency, Inc. administers a targeted insurance program for swimming pool dealers, installers, maintenance providers, and pool management firms. With access to multiple admitted and non-admitted markets, this program helps agents place both routine and harder-to-place pool-related accounts with competitive terms and responsive underwriting.

Ideal Accounts and Appetite

This program fits contractors and service providers that design, build, install, service, or manage swimming pools, spas, and other water features. Typical classes include:

• Swimming pool builders and installers
• Pool maintenance and service companies
• Pool management firms (including lifeguard staffing and seasonal operations)
• Retailers or dealers of pool equipment and supplies

The program can be tailored for small single-site service businesses up to larger contractors operating across multiple locations. Higher-hazard operations—such as full-scale waterparks, amusement rides, or facilities with extensive permanent attractions—typically require special review and may be outside standard appetite.

Coverage Highlights and Advantages

Commercial General Liability

• Primary limits up to $3,000,000 occurrence / aggregate
• $5,000 Medical Payments included
• Chemical Applicator coverage included at policy limits
• Excess / Umbrella capacity up to $25,000,000
• Per-project aggregate options for contractors
• Pool “Pop-Up” temporary event coverage with $50,000/$100,000 sub-limits (higher limits available)
• Additional Insured endorsements and Waiver of Subrogation available

Maintenance & Management Enhancements

• Lost key coverage — $25,000 liability limit
• Sexual/physical abuse sub-limits — $25,000/$50,000 (higher limits available)
• Errors & Omissions coverage — up to policy limits
• Limited participant coverage — $25,000/$50,000 sub-limits

Property & Crime Options

• Property available on Basic, Broad, or Special form — Building, Contents, and Business Income
• Equipment breakdown available; Replacement Cost or Actual Cash Value
• Crime coverage for theft of money/securities inside premises, robbery or safe burglary, and outside the premises

Underwriting Notes and Submission Guidance

Policies are available on a mono-line or package basis depending on exposures. Colonial General works directly with agents to evaluate operations, locations, subcontractor use, chemical-handling practices, staffing (including lifeguards), and safety procedures. Submission requirements vary by carrier; be prepared to provide loss runs, a description of services, safety/maintenance protocols, and details on any seasonal or event-based operations.

Some admitted markets are available in eligible states; non-admitted capacity is commonly used for more complex or higher-limit accounts.

Territories and Availability

This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.

Why Work With Colonial General Insurance Agency?

As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with broad market access. Agents benefit from:

• Targeted solutions for pool contractors, service firms, and management companies
• Access to both admitted and E&S markets when needed
• Flexible limits and tailored endorsements for common pool risks
• Responsive underwriting collaboration to place difficult or unique accounts

Example scenarios where this program is a good fit:

• You have a seasonal pool service company that provides cleaning and chemical treatment for residential and small commercial pools and needs combined GL and E&O limits with participant coverage.
• You represent a regional pool contractor bidding on multiple pool construction projects and need per-project aggregate limits plus qualified excess capacity.

Whether you are quoting a small maintenance company or a full-scale commercial contractor, Colonial General can help you find appropriate coverage and market access.