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Empire Underwriters, in partnership with an “A” rated carrier, offers a specialized Non-Standard Workers’ Compensation program tailored for swimming pool and spa contractors. Through Novatae Risk Group, this program is designed for accounts that fall outside the appetite of the standard market — providing a lifeline to agents seeking solutions for their hard-to-place clients. This program is ideal for accounts facing challenges such as high experience mods, prior coverage lapses, non-renewals, adverse loss history, or tough class codes. Whether your client is being pushed into the assigned risk pool or has been declined by the standard market, we can help you secure competitive coverage with flexible, cash flow-friendly options. Ideal Accounts and Appetite Swimming pool and spa contractors with high X-Mods (1.30 to 3.0) Accounts non-renewed or cancelled due to losses or class of business Clients moving out of state funds or assigned risk pools New ventures with no prior coverage but challenging class codes Accounts with adverse underwriting factors or prior claims history Multi-state exposures or tough-to-place governing class codes For example, you might have a client with a lapse in coverage and a history of losses over $20,000 who installs residential and commercial pools across multiple states. This program is designed exactly for that type of high-need, high-risk client. Coverage Highlights and Advantages Pay-As-You-Go Workers’ Comp – improved cash flow No premium deposit or audits required HR support services – COBRA, garnishments, unemployment claims, and more Full payroll services including tax filings (941s, W-2s) Client option to cut their own payroll checks Options for ASO (non-PEO) or full PEO/employee leasing Loss control and risk management support Ongoing coverage – continuous until cancelled Aggressive and fair claims management Underwriting Notes and Submission Requirements All submissions must meet at least one of the eligibility criteria listed above. Accounts that are simply shopping for better rates or have active offers from standard markets are not eligible for quotes from this PEO division. To submit an account, please provide: ACORD 130 Class-specific supplemental application (available on our website) Three years of loss history Loss history affidavit for accounts with lapse or no prior coverage Explanation for any claims exceeding $20,000 Experience Mod worksheet Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, GA, NC, AZ, and IL. Coverage availability and terms may vary by location. Admitted and non-admitted markets are used depending on state-specific conditions. Why Work With Novatae Risk Group and Empire Underwriters? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group gives you access to Empire Underwriters’ deep expertise in hard-to-place Workers’ Comp. You’ll benefit from decades of underwriting experience, responsive service, unique market access, and tailored solutions for your pool contractor clients. Let us help you turn your toughest Workers’ Comp challenges into success stories. Need a quote for your Swimming Pool Contractor account? Email [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?Swimming pool and spa contractors with high X-Mods, prior coverage lapses, large claims, or those exiting assigned risk pools are ideal candidates. Is prior coverage required for submission?No, accounts with no prior coverage may be eligible as long as they meet one or more of the underwriting criteria outlined in the program. What documents are needed to submit an account?You’ll need an ACORD 130, class-specific supplemental application, three years of loss history, an experience mod worksheet, and other documentation depending on the account’s history. Can clients handle their own payroll checks?Yes, clients have the option to handle payroll in-house or use the full payroll and HR services included in the program. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, GA, NC, and more. Availability may vary based on specific account details. Need help placing an account? Connect with a market specialist.

Swimming Pool Dealers and Installers Insurance Program Colonial General Insurance Agency, Inc. administers a targeted insurance program for swimming pool dealers, installers, maintenance providers, and pool management firms. With access to multiple admitted and non-admitted markets, this program helps agents place both routine and harder-to-place pool-related accounts with competitive terms and responsive underwriting. Ideal Accounts and Appetite This program fits contractors and service providers that design, build, install, service, or manage swimming pools, spas, and other water features. Typical classes include: Swimming pool builders and installers Pool maintenance and service companies Pool management firms (including lifeguard staffing and seasonal operations) Retailers or dealers of pool equipment and supplies The program can be tailored for small single-site service businesses up to larger contractors operating across multiple locations. Higher-hazard operations—such as full-scale waterparks, amusement rides, or facilities with extensive permanent attractions—typically require special review and may be outside standard appetite. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $3,000,000 occurrence / aggregate $5,000 Medical Payments included Chemical Applicator coverage included at policy limits Excess / Umbrella capacity up to $25,000,000 Per-project aggregate options for contractors Pool “Pop-Up” temporary event coverage with $50,000/$100,000 sub-limits (higher limits available) Additional Insured endorsements and Waiver of Subrogation available Maintenance & Management Enhancements Lost key coverage — $25,000 liability limit Sexual/physical abuse sub-limits — $25,000/$50,000 (higher limits available) Errors & Omissions coverage — up to policy limits Limited participant coverage — $25,000/$50,000 sub-limits Property & Crime Options Property available on Basic, Broad, or Special form — Building, Contents, and Business Income Equipment breakdown available; Replacement Cost or Actual Cash Value Crime coverage for theft of money/securities inside premises, robbery or safe burglary, and outside the premises Underwriting Notes and Submission Guidance Policies are available on a mono-line or package basis depending on exposures. Colonial General works directly with agents to evaluate operations, locations, subcontractor use, chemical-handling practices, staffing (including lifeguards), and safety procedures. Submission requirements vary by carrier; be prepared to provide loss runs, a description of services, safety/maintenance protocols, and details on any seasonal or event-based operations. Some admitted markets are available in eligible states; non-admitted capacity is commonly used for more complex or higher-limit accounts. Territories and Availability This program is available in: 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 combines niche underwriting expertise with broad market access. Agents benefit from: Targeted solutions for pool contractors, service firms, and management companies Access to both admitted and E&S markets when needed Flexible limits and tailored endorsements for common pool risks Responsive underwriting collaboration to place difficult or unique accounts Example scenarios where this program is a good fit: You have a seasonal pool service company that provides cleaning and chemical treatment for residential and small commercial pools and needs combined GL and E&O limits with participant coverage. You represent a regional pool contractor bidding on multiple pool construction projects and need per-project aggregate limits plus qualified excess capacity. Whether you are quoting a small maintenance company or a full-scale commercial contractor, Colonial General can help you find appropriate coverage and market access. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for swimming pool contractors, dealers, installers, maintenance companies, and pool management firms, including those that staff lifeguards. Is this coverage available on an admitted basis?Some admitted markets are available depending on risk characteristics and location. Colonial General also offers non-admitted solutions for more complex or higher-risk accounts. What are the primary liability limits available?Primary general liability limits are available up to $3,000,000 per occurrence and aggregate. Excess or umbrella limits can be placed up to $25,000,000. Can I write property and liability together?Yes. Property and liability coverages can be written on a mono-line or package basis depending on the insured's needs and eligibility. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.