Swimming pool contractors face daily challenges: complying with building codes and local ordinances, staying current with new products and techniques, and balancing safety while delivering the design expectations of their customers. Novatae Risk Group offers a targeted General Liability program for swimming pool contractors that helps agents place accounts with carriers experienced in this niche. We work with admitted and non-admitted markets, including solutions available from Empire Underwriters, to deliver broad and practical coverage options.
With more than 30 years of underwriting and market experience in the pool and spa industry, these programs provide dependable liability protection and flexible endorsements your clients need. Submit your swimming pool contractor accounts through Novatae Risk Group and let our wholesale placement experience work for you.
Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Swimming Pool Contractors accounts.
Overview:
A General Liability program designed for small- to medium-sized swimming pool contractors. Coverage is oriented to construction, service, cleaning, and excavation operations commonly seen in residential and light commercial pool work.
Market Focus:
This program targets contractors with less than $1,000,000 in annual payroll. It is ideal for single-trade pool contractors and companies that perform new builds, repairs, remodels, and ongoing service/maintenance for residential and small commercial clients.
Appetite:
- Swimming Pool Excavation
- Gunite and concrete pool construction
- Pool cleaning and maintenance
- Service and repair operations
Eligible Risks:
- New construction for residential and light commercial pools, including single-family homes.
- Repair, renovation, and remodeling work for residential and small commercial projects.
Ineligible Risks:
- New construction of condominium complexes, condominium conversions, and most townhouse projects (some exceptions may exist; refer to underwriter guidance).
- Any structures or projects exceeding three stories (exceptions may apply with prior approval).
Coverages Available:
- Blanket Additional Insured wording
- Waiver of Subrogation
- Primary and Non-Contributory endorsements
- Per-Project Aggregate limits
- Subsidence coverage (subject to limitations)
- Prior Projects coverage (with limitations)
Submission Requirements:
- Completed ACORD applications
- Currently valued loss runs (3–5 years preferred)
- Program supplemental application
- Project-specific pollution application when applicable
Underwriting Notes and Minimum Premiums:
Underwriting considers payroll, operations mix (construction vs. service), past loss history, and project types. Minimum premium for this program is typically $1,500. Both admitted and non-admitted placements are available through carriers with strong A.M. Best ratings up to XV, depending on the state and risk characteristics.
Territories and Availability:
Program availability varies by state; this product is offered in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Placement can be admitted or non-admitted depending on the state and carrier appetite.
Why Work With Novatae Risk Group on Pool Contractor Accounts
As a wholesale broker specializing in contractor programs, Novatae Risk Group provides underwriting access, placement expertise, and responsive service for agents submitting swimming pool contractor risks. We can help match accounts to the most appropriate carrier options and coordinate endorsements commonly requested on pool projects.
Example accounts that fit well:
- A small gunite pool contractor with $600,000 payroll that performs new residential builds and occasional renovation work.
- A local pool service and maintenance company with recurring service contracts for residential communities and light commercial properties.
Do you need a General Liability Insurance quote for your Swimming Pool Contractor account?
Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately.
Frequently Asked Questions
What types of swimming pool contractors are a good fit for this program?
Small to medium contractors who focus on residential and light commercial pool construction, gunite work, excavation, cleaning, and service work are ideal. Preference is given to accounts with payroll under $1,000,000 and stable loss histories.
Which risks are unlikely to be accepted?
Large-scale condominium or townhouse projects, projects that exceed three stories, and accounts with extensive prior subsidence or environmental losses are typically ineligible. Exceptions may be considered with prior underwriter approval.
What documents should I submit with an application?
Provide a completed ACORD application, supplemental program application, currently valued loss runs (3–5 years), and a project-specific pollution application when applicable. Clear scope-of-work descriptions and contract samples speed underwriting.
Are additional insured, waiver of subrogation, and primary/non-contributory wording available?
Yes. The program offers blanket additional insured, waiver of subrogation, and primary and non-contributory endorsements, subject to carrier terms and any project-specific restrictions.
Need help placing an account? Connect with a market specialist.