Swimming Pool Contractors Insurance in Vermont

What is Swimming Pool Contractors Insurance?

Servicing pools might seem like relatively straight forward work, but businesses in the field face substantial potential risks. An onsite accident, auto accident or property loss can result in costs that could be devastating. Swimming pool contractors insurance won’t stop these incidents from happening, but it can help contractors in Vermont financially recover from covered lawsuits and losses.

Swimming pool contractors insurance is specialized commercial insurance for businesses that install and service pools. Most policies have multiple coverages within their terms, which makes it possible for the policies to provide robust protection.

What Vermont Businesses Should Have a Pool Contractors Policy?

Most Vermont businesses should probably have a pool contractors policy if they install, maintain or service pools. This includes businesses that service in residential pools and those that work on commercial pools. It also includes businesses that are sole proprietorships, limited liability corporations and other corporations.

Not having insurance coverages leaves a business open to risks that can cause major financial losses, and pool contractors policies tend to be the most appropriate type of policy for these businesses.

What Coverages Are Offered by Pool Contractors Policies?

The coverages that particular pool contractors policies make available can vary, but most policies offer a number of standard protections.

A few of the more important and more common property coverages to consider are:

Commercial Property Coverage, which normally insures facilities, and large equipment, small tools and stored supplies while located at a facility
Inland Marine Coverage, which normally insures large equipment, small tools and stored supplies while in vehicles driving to/from job sites
Builders Risk Coverage, which normally insures large equipment and small tools while kept at job sites
Equipment Breakdown Coverage, which normally insures essential large equipment against malfunctions and breakdowns
Extra Expenses Coverage, which normally covers the cost of renting alternative space if a facility is damaged

Some liability coverages that businesses may want to look for are:

General Liability Coverage, which normally insures against basic accidents that involve third parties or their property
Pollution Liability Coverage, which normally insures against the misuse of muriatic acid, chlorine, hypochlorite or other chemicals that cause environmental harm
Commercial Auto Coverage, which normally insures against car accidents involving employees and damage to company vehicles
Umbrella Liability Coverage, which normally provides a secondary layer of liability protection

An insurance agent who’s well versed in swimming pool companies’ insurance needs can help businesses evaluate their risk exposure and choose coverages accordingly.

Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. I contacted Mike and he was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him to be your insurance agent!

Becci Kepnes-Letourneau

Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.

StoryWorkz Creative

Mike Bancroft has been great to work with. He has assisted with my Business Auto, Tool Coverage, Homeowners and all other types of insurance needs. I wouldn't be surprised if they change their name to Paige, Campbell & Bancroft soon!

Lance Garrett

Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.

Jennifer L.

How Much Are Premiums for Pool Contractors Policies?

Premiums for pool contractors policies are based on a variety of factors. Just some of these factors include the:

Whether a company installs, repairs and/or services pools
What large and small equipment a company uses
What geographic area a company services
Where a company’s main facility is located
How many employees a company has
Whether a company has recently filed claims

Contractors can get customized quotes from multiple insurance companies by talking with an independent insurance agent. An independent agent isn’t obligated to promote a single insurer, and thus can help contractors compare policies’ coverages and premiums easily.

How Can Pool Contractors in Vermont Get Swimming Pool Contractors Insurance?

For help insuring a swimming pool contractor business that’s located in Vermont, contact the independent insurance agents at Paige & Campbell Insurance. Our agents will help you evaluate risk exposure and select coverages, and then we’ll find you the best available policy given your business’ needs. With our aid, you can have confidence in the protections that your chosen swimming pool contractors insurance provides.