Search CompleteMarkets

...nd and above-ground swimming pools, hot tubs, and spas. Whether your client bu...air, or maintenance of swimming pools, hot tubs, and spas. Residential and light c...

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.

Empire Underwriters, in partnership with an “A” rated carrier, offers a specialized Non-Standard Workers’ Compensation program for swimming pool and spa contractors that is distributed through Novatae Risk Group. This program is built for accounts that sit outside the appetite of the standard market — giving agents a practical market for hard-to-place clients. The program targets accounts with underwriting complications such as elevated experience modification rates, prior coverage lapses, non-renewals, adverse loss histories, or difficult class codes. If a client is being steered toward an assigned risk pool or has been declined by standard carriers, this program provides competitive coverage and flexible, cash-flow-friendly options to keep the business working. Ideal Accounts and Appetite Swimming pool and spa contractors with elevated experience modification factors (X-Mods typically from 1.30 to 3.0) Accounts non-renewed or cancelled for losses or class of business Clients exiting state funds, assigned risk pools, or similar plans New ventures with no prior coverage but challenging class codes Accounts with adverse underwriting factors or prior claims history Multi-state exposures or hard-to-place governing class codes Example: you might have a client who installs residential and commercial pools across multiple states, has a recent lapse in coverage and prior claims over $20,000. This program is designed to handle exactly that type of complex, higher-risk account. Coverage Highlights and Advantages Pay-As-You-Go Workers’ Comp to improve client cash flow No premium deposit and no traditional payroll audits required HR support services including COBRA, garnishments, unemployment claims, and more Full payroll services with tax filings (941s, W-2s) — or client option to issue payroll in-house Flexible placement options: ASO (non-PEO) or full PEO/employee leasing Loss control and risk management resources targeted to pool contractors Ongoing coverage that remains in force until cancelled Aggressive and fair claims management focused on early return-to-work Underwriting Notes and Submission Requirements Submissions must meet at least one of the eligibility criteria above. Accounts that are merely shopping for a lower rate or have active offers from standard markets typically are not eligible for this non-standard PEO division. Provide the following to submit an account: ACORD 130 Class-specific supplemental application (available on our website) Three years of loss history Loss history affidavit for accounts with a lapse or no prior coverage Explanation for any claims exceeding $20,000 Experience modification worksheet Territories and Availability This program is available in most states, including CA, TX, FL, NY, GA, NC, AZ, and IL. Coverage availability, admitted vs. non-admitted placement, and specific terms vary by state and by account details. Why Work With Novatae Risk Group and Empire Underwriters? Novatae Risk Group, as a Managing General Underwriter and Excess & Surplus Lines Broker, gives agents access to Empire Underwriters’ experience placing hard-to-place Workers’ Compensation risks. You’ll benefit from focused underwriting, responsive service, unique market access, and tailored solutions for swimming pool and spa contractors. We work to turn difficult placement situations into placed accounts. 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 the primary candidates for this program. Is prior coverage required for submission?No. Accounts with no prior coverage may be eligible if they meet one or more of the underwriting criteria listed for the program. What documents are needed to submit an account?You’ll need an ACORD 130, the class-specific supplemental application, three years of loss history, an experience mod worksheet, and any required affidavits or claim explanations for large losses. Can clients handle their own payroll checks?Yes. Clients can choose to run payroll in-house, or they can 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 others. Availability and placement (admitted vs. non-admitted) depend on state and account specifics. Need help placing an account? Connect with a market specialist.

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.

...residential or commercial pool installations, this program offers broad eligib... or manages large commercial pool installations—this program is designed to ac...