Colonial General Insurance Agency, Inc. offers specialized Swimming Pool Management Insurance designed to protect a wide range of pool-related businesses. Whether your client operates a swimming pool management company, provides pool maintenance services, or staffs lifeguards, this comprehensive program delivers tailored coverage solutions. Available on a mono-line or package basis, this program is built to address the unique risks associated with aquatic facilities and services.
Ideal Accounts and Appetite
This program is a strong fit for agents who work with clients in the swimming pool industry, including:
- Swimming pool management companies
- Pool maintenance and cleaning services
- Pool contractors, dealers, and installers
- Facilities providing lifeguard staffing or swimming instruction
You might have a client who manages multiple community pools or provides seasonal lifeguard services in residential neighborhoods—this program is built for those types of operations. It is ideal for both year-round and seasonal pool professionals with exposures related to chemical handling, premises liability, and participant safety.
Coverage Highlights and Advantages
Commercial General Liability:
- Primary limits up to $3,000,000 per occurrence/aggregate
- $5,000 Medical Payments included
- Chemical Applicator Coverage at policy limits
- Excess/Umbrella limits up to $25,000,000
Additional Liability Features:
- Coverage for swimming pool contractors, dealers, and installers
- Per Project Aggregate
- Pool “Pop-Up” coverage: $50,000/$100,000 sub-limits (higher limits available)
- Additional Insureds and Waiver of Subrogation endorsements available
Swimming Pool Maintenance:
- “Pop-Up” coverage: $50,000/$100,000 sub-limits
- Lost Key Liability: $25,000 limit
Swimming Pool Management/Lifeguard Coverage:
- Lost Key: $25,000 limit
- Sexual and Physical Abuse: $25,000/$50,000 sub-limits (higher limits available)
- Errors and Omissions: up to policy limits
- Limited Participant Coverage: $25,000/$50,000 sub-limits
Property Coverage:
- Basic, Broad, or Special Form
- Building, Business Income, and Contents
- Equipment Breakdown
- Replacement Cost or Actual Cash Value
Crime Coverage:
- Inside the Premises – Theft of Money and Securities
- Inside the Premises – Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes and Market Access
Colonial General works with a variety of carriers to match your client's needs. Depending on the risk, both admitted and non-admitted options may be available. Their team understands the nuances of swimming pool operations and can provide guidance during the submission process to help you find the right fit.
While minimum premium requirements vary, accounts must meet underwriting guidelines related to safety practices, staffing, and chemical handling procedures.
Territories and Availability
This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. If you operate in these states and have clients in the pool services space, Colonial General offers the market access and expertise to support your placement efforts.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in placing niche and hard-to-place accounts. Their dedicated underwriting team has deep experience in pool-related exposures and offers responsive service to help agents secure coverage efficiently. Whether you're placing a single lifeguard staffing account or a larger pool management operation, Colonial General delivers flexible solutions and competitive options for your insureds.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for swimming pool management companies, maintenance services, lifeguard staffing firms, and pool contractors or installers operating in AZ, CA, CO, ID, NV, NM, UT, and WY.
Does the program include coverage for lifeguards and swim instructors?
Yes, coverage options include Errors and Omissions, Participant Liability, and Sexual and Physical Abuse sub-limits specifically designed for lifeguard and swim instruction operations.
Are both property and general liability available?
Yes, you can write property and liability on a mono-line or package basis, depending on your client’s needs.
Are higher limits available for Pool “Pop-Up” or Abuse coverage?
Yes, while the program includes standard sub-limits, higher limits are available depending on underwriting approval.
Can this program be written on an admitted basis?
Some admitted markets are available, depending on the risk and location. Colonial General also has access to non-admitted options when needed.
Need help placing an account? Connect with a market specialist.