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..