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...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.

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.

...ompanies that perform new builds, repairs, remodels, and ongoing service/maint..., including single-family homes. Repair, renovation, and remodeling work f...