Colonial General Insurance Agency, Inc. offers a comprehensive Swimming Pool Lifeguard Insurance program tailored to agents and brokers looking to place liability and property coverage for clients in the aquatic services industry. Whether your client operates a seasonal lifeguard service, manages a commercial pool facility, or handles pool maintenance and installation, this program delivers specialized protection backed by experienced underwriting and flexible coverage options.
Ideal Accounts and Appetite
This program is designed for a wide range of businesses involved in pool operations. Ideal insureds include:
- Swimming pool lifeguard services (seasonal or year-round)
- Commercial pool management companies
- Swimming pool maintenance providers
- Pool contractors, dealers, and installers
You might have a client who manages multiple community pools and hires part-time lifeguards. Or perhaps a pool cleaning company that also handles minor repairs and chemical treatments. These are excellent fits for this program.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- $5,000 Medical Payments included
- Chemical Applicator Coverage included at policy limits
- Excess/Umbrella limits available up to $25,000,000
- Additional features: Per Project Aggregate, Additional Insureds, Waiver of Subrogation
Specialized Endorsements:
- Swimming Pool “Pop-Up” protection – $50,000/$100,000 sub-limits (higher limits available)
- Lost Key coverage – $25,000 liability limit
- Sexual Physical Abuse coverage – $25,000/$50,000 sub-limits (higher limits available)
- Errors & Omissions – covered up to policy limits
- Limited Participant Coverage – $25,000/$50,000 sub-limits
Property Coverage Options:
- Basic, Broad, or Special Form
- Coverage for Building, Contents, and Business Income
- Equipment Breakdown
- Replacement Cost or Actual Cash Value options
Crime Coverage Available:
- Theft of Money and Securities (Inside Premises)
- Robbery or Safe Burglary of Other Property
- Outside the Premises coverage
Underwriting Notes and Market Position
Coverage is available on a mono-line or package basis, allowing you to tailor the policy to your client’s operations. Markets vary, and both admitted and non-admitted options are available depending on the risk and state. Colonial General works with a range of carriers to offer flexible solutions and competitive terms.
Territories and Availability
This program is available in the following states: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY).
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche programs like swimming pool and lifeguard insurance. Their knowledgeable staff and access to multiple markets allow you to efficiently place specialized accounts with confidence. Whether your client needs core liability protection, expanded participant coverage, or property and crime packages, Colonial General delivers tailored solutions and responsive service.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for swimming pool lifeguard services, pool management companies, pool maintenance providers, and pool contractors or installers.
Is this program available on an admitted basis?
Some markets are admitted, while others are non-admitted depending on the risk and state. Colonial General offers access to both options.
What are the coverage limits available?
General liability limits are available up to $3,000,000 per occurrence/aggregate, with optional excess limits up to $25,000,000.
Can I write mono-line or package policies through this program?
Yes, you can place mono-line liability or property, or package both together depending on your client’s needs.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.