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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.

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.