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Guniting Insurance What is Guniting? Guniting (also called shotcrete) is a process...al or pollution coverage needed for guniting work?It can be important when run...

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.

A Vital Workers Compensation Loss Control and Cost Cutting Tool for Companies Nationwide What Novatae Risk Group's Professional Employer Organization (PEO) Program Does for Your Policyholders Novatae Risk Group offers a PEO program built for agents who need a dependable market to place small- and mid-sized employers that require full-service HR and more competitive workers compensation solutions. This program helps your clients outsource payroll, benefits, compliance, and claims management while improving cash flow and reducing workers comp expense through pay-as-you-go billing and hands-on loss control. Place clients who are struggling with high X-Mods, recent losses, tough class codes, lapses in coverage, or complex multi-state operations. Novatae pairs underwriting expertise with broad carrier access to craft practical, market-ready PEO solutions. Why Agents Use Novatae's PEO Solutions Leveraging a PEO through Novatae gives your clients and your agency clear advantages: No large premium deposits or year-end audits Pay-as-you-go workers compensation tied to actual payroll Administrative relief—HR, payroll, benefits, and compliance handled by the PEO Access to stronger employee benefits packages and payroll tax remittance Dedicated loss control and claims services to manage exposures and control frequency Programs designed for retention and simplified servicing for your agency Program Features and Highlights No premium deposits or audits required; improved cash flow with pay-as-you-go billing Comprehensive HR support including onboarding, ACA compliance, and claims management Payroll services with full tax remittance and reporting Flexible program structures — deductible options, dividend/return-of-premium programs, safety credits Integration options for job costing and accounting software High retention — coverage remains in force until canceled, reducing client turnover Target Markets and Ideal Accounts This PEO program is designed to place risks that are otherwise hard to write in the standard market, including accounts that: Are being non-renewed or canceled due to losses or underwriting restrictions Are in assigned risk pools or coming out of state funds Have elevated X-Mods (1.30–3.0) or recent large losses Have lapsed coverage, no prior, or operate in difficult class codes Operate across multiple states or have complex payroll structures Industries where Novatae is especially competitive include (but are not limited to): Manufacturing Construction (roofing, masonry, excavation) Staffing agencies Property management Janitorial and cleaning services Landscaping and demolition In-home care and assisted living Transportation and warehousing Farming and agricultural operations Swimming pool contractors Residential care facilities Gunite and pool plastering contractors Tailored Solutions and Carrier Access Novatae works with over a dozen carriers — including top-rated AM Best markets — to tailor PEO placements. Available options include deductible and dividend programs, safety credits, and payroll delivery choices (direct deposit, mailed checks, or in-house check writing). Software integrations can streamline job costing and reporting to help clients control loss experience. Underwriting Notes and Submission Requirements To evaluate a risk quickly, include the following: ACORD 130 Three years of loss runs Loss history affidavit if there is a lapse or no prior coverage Explanations for claims over $20,000 Experience Mod sheet Applicable supplemental application for the class of business (View Forms) Minimum premiums vary by carrier and program structure; provide complete submissions to get an accurate indication. Territories and Availability The PEO program is available in most non-monopolistic states. Current availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI. Example Accounts You Might Place A regional roofing contractor with a 1.8 X-Mod and frequent subcontractor payroll who needs payroll tax handling, claims management, and a path off the assigned risk market. An in-home care agency expanding to three states with payroll complexity, ACA reporting needs, and prior lapses in coverage — seeking stable benefits and workers comp administration. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae combines deep underwriting expertise with broad carrier relationships to place hard-to-place workers compensation business. Agents benefit from strong market access, program flexibility, professional loss control and claims support, and streamlined servicing so you can retain clients with less administrative burden. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Accounts with high X-Mods, prior large losses, tough class codes, or those coming out of assigned risk pools are a strong fit. Construction, staffing, janitorial, home healthcare, and transportation accounts are frequently placed. Can this program help clients who have been non-renewed or have a lapse in coverage?Yes. The PEO program accommodates non-renewals and lapses, including businesses with challenging loss histories or underwriting restrictions. What states is this program available in?The program is available in most states nationwide, excluding monopolistic states. See the full list above for current state availability. Are there specific submission requirements?Yes. Provide an ACORD 130, three years of loss runs, an Experience Mod sheet, supplemental applications for the class of business, and claims explanations for large losses. What are the advantages for agents placing business through this program?Agents gain access to markets that can place difficult workers comp accounts, receive competitive commission opportunities, and benefit from high client retention with minimal servicing needs. Need help placing an account? Connect with a market specialist.

Policy Highlights: Overview — Colonial General Insurance Agency, Inc. Swimming Pool Contractors Insurance Colonial General Insurance Agency offers a focused program for swimming pool contractors, installers, maintenance providers and pool management operations. As an MGA and Excess & Surplus lines broker, Colonial General places mono-line or package Property and Liability coverages through a variety of admitted and non-admitted markets (admitted paper is available in some markets). This program is designed for independent agents who need flexible limits, specialty endorsements for pool exposures, and access to umbrella/excess capacity. Ideal Accounts and Appetite Residential and small commercial pool builders and installers Pool service and maintenance contractors (weekly service, chemical application) Pool dealers and equipment installers Community and private pool management firms (including lifeguard operations) Per-project contractors working on single-site or small multi-site installations Typical accounts have straightforward install/maintenance operations, licensed contractors, and standard safety procedures. The program is not intended for large water parks, major aquatic complexes, or highly activated public municipal pools with significant spectator exposures — contact the MGA for borderline or larger accounts. Coverage Highlights and Advantages Commercial General Liability: Primary limits available up to $3,000,000 (Occurrence and Aggregate) $5,000 Medical Payments coverage included Chemical Applicator coverage included at policy limits (for accounts that apply pool chemicals) Excess / Umbrella capacity up to $25,000,000 where available Pool-specific endorsements and sub-limits: Pool “Pop-Up” coverage — typical sub-limits $50,000 / $100,000 (higher limits may be available) Lost Key coverage — $25,000 liability limit for maintenance or management classes Sexual / Physical Abuse sub-limits — $25,000 / $50,000 for management/lifeguard operations (higher limits available on request) Limited Participant Coverage and Errors & Omissions (E&O) — available for qualifying management accounts Property options: Basic, Broad or Special form; Building, Business Income, Contents, Equipment Breakdown; Replacement Cost or ACV Crime coverage: inside/outside premises, theft of money & securities, robbery/safe burglary options Included risk controls: Additional Insureds and Waiver of Subrogation endorsements for contractor relationships and project work Underwriting Notes Underwriting focuses on contractor experience, licensing, training for chemical handling, client type (residential vs. commercial), and safety procedures for lifeguard/management operations. Per-project aggregate and limits for project-based contractors are available; provide project values and contract terms with submission. Claims history, subcontractor controls, and written procedures for pool chemicals and lifeguard training materially affect pricing and terms. Carriers and terms vary by state and individual risk — Colonial General will guide you to admitted or E&S placement depending on availability and account specifics. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted capacity exists in some markets; otherwise risks are placed non-admitted through E&S carriers. Availability and forms differ by state — confirm market placement and capacity for each submission. Submission Checklist & Example Scenarios To speed placement, include: Completed application describing operations, payroll, receipts and number of pools serviced/installed Loss runs (3–5 years preferred) Copies of standard contracts and subcontractor agreements Safety and chemical handling procedures, lifeguard certification details if applicable Example scenarios: A local residential pool builder who installs fiberglass and gunite pools for single-family homes — needs CGL with per-project aggregate and limits up to $1–2M, plus installer’s property coverage for tools and equipment. A community pool management company that provides lifeguards for homeowner associations — needs liability with sexual/physical abuse sub-limits, limited participant coverage, and E&O protections for programming decisions. Why Place This Business With Colonial General Specialized underwriting for pool contractors and management exposures Access to admitted and E&S markets and high excess capacity where required Policy forms and endorsements tailored to pool-specific risks (chemical applicator, pop-up events, lost key, etc.) Responsive MGA placement and support for complex or multi-state accounts Frequently Asked Questions What types of pool-related businesses are a good fit for this program?Residential and small commercial pool builders, maintenance and service contractors, dealers/installers, and pool management firms with standard lifeguard programs are prime fits. Large aquatic parks and high-spectator venues typically do not fit this program. Are admitted policies available or is coverage only non-admitted?Colonial General places business in both admitted and E&S markets. Admitted options are available in some states/markets; if admitted capacity is not available for a particular risk, the program can place coverage through non-admitted carriers. What underwriting information helps secure the best terms?Provide recent loss runs, detailed descriptions of operations (installation vs. maintenance), contracts and subcontractor controls, chemical handling procedures, and lifeguard certification/training records for management accounts. These items help underwriters assess risk and offer appropriate limits. Need help placing an account? Connect with a market specialist.