We have this program and many more tailored for swimming pool contractors. Writing this class has never been easier. With access to up to five carriers, Gladius Insurance Services, LLC can help you find the right fit for your swimming pool contractor clients’ needs.
Guardian Program Overview from Gladius Insurance Services
Gladius Insurance Services, LLC offers a specialized Contractors General Liability program designed for smaller general contractors and artisan trades, including swimming pool contractors. Whether your client is focused on residential or commercial pool installations, this program offers broad eligibility, fast turnarounds, and competitive pricing through a strong non-admitted market.
Ideal Accounts and Appetite
This program is a great fit for artisan contractors and general contractors involved in construction, remodeling, or specialty trades. Key eligible classes include:
- Swimming pool contractors (commercial and residential)
- Roofers, framers, and foundation specialists
- Plumbers, sewer and water main contractors
- Paper contractors and other artisan trades
You might have a client who builds custom residential pools or manages large commercial pool installations—this program is designed to accommodate a wide range of exposures and business models, including accounts with 100% subcontracted work.
Coverage Highlights and Advantages
- A.M. Best A- (Excellent) rated carrier
- 100% subcontracted work allowed
- Rating based on gross receipts—ideal for high payroll operations
- Fast 24-hour quote turnaround
- Minimum earned premium of 15%
- No limitations on subcontracted work
- New ventures and gaps in coverage considered
- Optional coverages include Blanket Additional Insureds, Waiver of Subrogation, Per Project Aggregate, Completed Operations (commercial only), and Stop Gap endorsements
Underwriting Notes and Minimum Premiums
- Artisan contractors: Minimum premium of $750 for most classes
- General contractors: Minimum premium of $1,500
- Roofers: Minimum premium of $3,000
- Maximum limits available: $1M/$2M/$2M
Territories and Availability
This is a non-admitted program written through United Specialty Insurance Company. Coverage is available in most states, excluding NY, NV, CO, LA, ME, WI, VA, WV, DE, RI, MA, and HI. States where the program is available include CA, TX, FL, AZ, IL, GA, WA, and many others.
Why Work With Gladius Insurance Services?
As an Excess & Surplus Lines Broker with access to multiple carriers, Gladius Insurance Services offers flexibility, responsiveness, and a deep understanding of contractor risks. Our team is dedicated to helping agents place tough-to-write classes like swimming pool contractors quickly and efficiently. We understand the nuances of artisan and general contracting exposures and can structure coverage that aligns with your client’s operations.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for swimming pool contractors, general contractors, and artisan trades involved in commercial or residential work, especially those that subcontract out a large portion of their operations.
Is this program available for new ventures?
Yes, new ventures and accounts with prior coverage gaps are considered under this program.
What are the minimum premiums for this program?
Minimum premiums start at $750 for most artisan contractors, $1,500 for general contractors, and $3,000 for roofers.
What is the turnaround time for quotes?
Gladius Insurance Services typically provides quotes within 24 hours of receiving a complete submission.
Can this program accommodate 100% subcontracted work?
Yes, the program allows for 100% subcontracted operations with no limitations.
Need help placing an account? Connect with a market specialist.