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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.

Swimming Pool Dealers and Installers Insurance Program Colonial General Insurance Agency, Inc. offers a specialized insurance program for swimming pool dealers, installers, maintenance providers, and management companies. With access to a variety of markets and both admitted and non-admitted options, this program is designed to help agents and brokers place hard-to-insure accounts with confidence. Ideal Accounts and Appetite This program is a strong fit for contractors and service providers involved in the construction, installation, servicing, or management of swimming pools, spas, and water features. Target accounts include: Swimming pool builders and installers Pool maintenance companies Pool management firms (including lifeguard staffing) Retailers or dealers of pool equipment and supplies Whether your client is a small service company or a larger contractor operating across multiple locations, this program can be tailored to meet their needs. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments Coverage included Chemical Applicator Coverage included at policy limits Excess or Umbrella limits available up to $25,000,000 Coverages tailored for swimming pool contractors, dealers, and installers Per Project Aggregate Pool “Pop-Up” coverage: $50,000/$100,000 sub-limits (higher limits available) Additional Insured endorsements available Waiver of Subrogation available Maintenance and Management Enhancements: Lost Key coverage – $25,000 liability limit Sexual/Physical Abuse coverage – $25,000/$50,000 sub-limits (higher limits available) Errors & Omissions – covered up to policy limits Limited Participant Coverage – $25,000/$50,000 sub-limits Property Coverage Options: Available on Basic, Broad, or Special Form Coverage for Building, Contents, and Business Income Equipment Breakdown coverage available Replacement Cost or Actual Cash Value Crime Coverage Available: Theft of Money and Securities – Inside the Premises Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes Coverage can be provided on a mono-line or package basis, depending on the risk. Colonial General works closely with agents to evaluate each account's exposures and provide competitive options through multiple carrier partners. Submission requirements may vary by market. Territories and Availability This program is available in the following states: 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 brings deep underwriting expertise and strong carrier relationships to the table. Their focus on niche programs like this one means agents can access tailored solutions for their clients in specialized industries. With flexibility in markets and responsive service, Colonial General is a trusted partner for agents placing pool-related risks. Whether you're quoting a seasonal pool service company or a full-scale commercial contractor, Colonial General can help you find the right coverage solution. 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 the risk and location. Colonial General also has access to non-admitted options 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 go 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.