Get the coverage you need to cover the unique risks that pool and spa contractors face.
Running a swimming pool and spa installation business can be a very lucrative operation, but the nature of this line of work provides some unique risks that business owners need to factor into their bottom line.
Our team of insurance professionals can help you tailor a swimming pool or spa contractor insurance plan that protects you from customer lawsuits, equipment breakdown, vehicle accidents, regulatory issues, and more. With a professionally designed plan, you can dive into your work knowing that you and your business are adequately protected.
Pool And Spa Insurance Policy Coverage
A pool and spa contractor insurance policy provides enhanced general liability and equipment coverage for independently-owned businesses. While your individual plan may differ, the most common features of these insurance plans include:
General Liability Coverage
General liability offers broad coverage for your business. It covers things such as injuries, property damage, and special circumstances that are unique to the industry (such as design or installation errors, water levels, etc).
Umbrella Liability Coverage
Umbrella liability coverage adds more depth to the general liability clause. This extension can protect pool and spa contractors from claims that exceed the limits of the primary coverage.
Inland Marine Coverage
Inland marine insurance is a type of business insurance that helps cover products, materials, and equipment while they are being transported on land. This coverage is meant to help protect business property that is typically outside the bounds of the more common liability plans.
Worker’s Comp
Worker’s compensation coverage provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. This is a common policy that helps business owners safeguard their worker’s as well as your business’s best interests.
Property Choice
This type of insurance helps protect the property that a pool or spa contractor owns and leases. This can include equipment such as cement mixers and backhoes, product inventory, supplies, and tools that are used for pool or spa installation. This aspect of coverage is often tailored to fit the unique needs of any particular business.
How Much Do Policies Cost?
The cost of insurance for pool and spa contractors depends on the size of the business and the amount of coverage that is required. Other factors include what type of work a swimming pool contractor does, where a contractor’s business is located, whether a contractor has filed claims in the past, and how many employees a contractor has. Our insurance experts can help design a business plan to your specific business needs that provides comprehensive coverage at a price point that fits into your budget.
Reach Out To The Experienced Business Insurance Agents
The business insurance agents at JMG Insurance Agency have years of experience providing comprehensive insurance policies to small and medium-sized businesses. For more information or to begin a quote for a pool or spa contractor insurance plan, give us a call at 844-304-7332 or request a quote online today.