Swimming Pool Dealers and Installers Insurance Program
Colonial General Insurance Agency, Inc. offers a specialized insurance program for swimming pool dealers, installers, maintenance providers, and management companies. With access to a variety of markets and both admitted and non-admitted options, this program is designed to help agents and brokers place hard-to-insure accounts with confidence.
Ideal Accounts and Appetite
This program is a strong fit for contractors and service providers involved in the construction, installation, servicing, or management of swimming pools, spas, and water features. Target accounts include:
- Swimming pool builders and installers
- Pool maintenance companies
- Pool management firms (including lifeguard staffing)
- Retailers or dealers of pool equipment and supplies
Whether your client is a small service company or a larger contractor operating across multiple locations, this program can be tailored to meet their needs.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- $5,000 Medical Payments Coverage included
- Chemical Applicator Coverage included at policy limits
- Excess or Umbrella limits available up to $25,000,000
- Coverages tailored for swimming pool contractors, dealers, and installers
- Per Project Aggregate
- Pool “Pop-Up” coverage: $50,000/$100,000 sub-limits (higher limits available)
- Additional Insured endorsements available
- Waiver of Subrogation available
Maintenance and Management Enhancements:
- 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:
- Available on Basic, Broad, or Special Form
- Coverage for Building, Contents, and Business Income
- Equipment Breakdown coverage available
- Replacement Cost or Actual Cash Value
Crime Coverage Available:
- Theft of Money and Securities – Inside the Premises
- Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes
Coverage can be provided on a mono-line or package basis, depending on the risk. Colonial General works closely with agents to evaluate each account's exposures and provide competitive options through multiple carrier partners. Submission requirements may vary by market.
Territories and Availability
This program is available in the following states: 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 brings deep underwriting expertise and strong carrier relationships to the table. Their focus on niche programs like this one means agents can access tailored solutions for their clients in specialized industries. With flexibility in markets and responsive service, Colonial General is a trusted partner for agents placing pool-related risks.
Whether you're quoting a seasonal pool service company or a full-scale commercial contractor, Colonial General can help you find the right coverage solution.