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.

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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.

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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.

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.

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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.

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