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Swimming Pool Maintenance Insurance Program from Colonial General Insurance Agency Colonial General Insurance Agency, Inc. offers a specialized Swimming Pool Maintenance Insurance program designed to meet the unique needs of contractors, technicians, and management companies that maintain, service, or operate swimming pools. With access to a variety of carriers and both admitted and non-admitted markets, Colonial General provides flexible solutions for hard-to-place and niche accounts throughout the Western U.S. Ideal Accounts and Target Classes This program is ideal for insureds involved in: Swimming pool maintenance and servicing Pool cleaning companies Swimming pool contractors, dealers, and installers Pool management firms and lifeguard staffing services Whether your client services residential, commercial, or municipal pools, this program is structured to address the risks associated with pool upkeep, chemical application, and daily operations. Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 occurrence / aggregate $5,000 Medical Payments included Chemical Applicator Coverage at policy limits Excess/Umbrella limits up to $25,000,000 Per Project Aggregate and Additional Insureds included Pool “Pop-Up” coverage: $50,000/$100,000 sub-limits (higher limits available) Waiver of Subrogation options Swimming Pool Maintenance Coverages: Lost Key Liability: $25,000 limit “Pop-Up” damage sub-limits Swimming Pool Management/Lifeguard Coverages: Lost Key Liability: $25,000 limit Sexual/Physical Abuse: $25,000/$50,000 sub-limits (higher limits available) Errors and Omissions: Policy limits Limited Participant Coverage: $25,000/$50,000 sub-limits Property Coverage: Basic, Broad, or Special Form options Building, Business Income, Contents, and Equipment Breakdown Replacement Cost or Actual Cash Value Crime Coverage: Theft of Money and Securities (inside premises) Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes and Market Position Colonial General works with a range of carriers and offers coverage through both admitted and non-admitted markets, depending on the state and risk profile. Each submission is evaluated on its individual merits, with a focus on unique or difficult risks in the pool maintenance and service space. Minimum premiums vary by account type and carrier. States Available This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General Insurance Agency As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche and specialty programs. With a hands-on underwriting approach and access to competitive markets, they help independent agents secure tailored solutions for insureds with complex risk profiles. Their Swimming Pool Maintenance Insurance program is backed by responsive service and a strong understanding of the exposures faced by contractors and pool service professionals. To learn more or submit a risk, visit Colonial General Insurance Agency, Inc.. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include swimming pool maintenance companies, contractors, dealers, pool management firms, and lifeguard staffing services operating in residential or commercial environments. Does this program cover chemical application risks?Yes, Chemical Applicator Coverage is included at policy limits under the general liability portion of the program. Are higher limits available for pool “pop-up” coverage?Yes, while the standard sub-limit is $50,000/$100,000, higher limits may be available depending on the risk and underwriting approval. Which states is this program available in?This program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Can this program accommodate hard-to-place or non-admitted risks?Yes, Colonial General has access to both admitted and non-admitted markets, allowing them to place complex or unique swimming pool service exposures. Need help placing an account? Connect with a market specialist.