Pool & Spa Contractor Insurance


Pool and Spa Contractors Face Unique Risks

Swimming pool and spa contractors face some unique risks. Events like workplace injuries, damage to specialized equipment, and accusations of non-compliance with local ordinances could have a significant impact on the bottom line of a pool and spa contractor business. However, The Hartford is here to help pool and spa businesses reduce risks and prevail through crises and unexpected events.
Recommended Coverage for Pool & Spa Businesses
Provides broad liability coverage for personal injuries and property damage that occurs for example, at the office, on a jobsite while installing a pool, or your retail store. This can include coverage for advertising errors, libel, slander and defamation, even for issues related to your web site, online bulletin boards and chat rooms. The Hartford includes specific coverage for pool and spa related businesses. This could include coverage for design or installation errors or “pop-up” coverage that provides protection when the water table rises too high. The Hartford can also cover a business if it’s fined for non-compliance with the Virginia Graeme Baker Pool and Spa Safety Act Inspection.
Helps pool and spa contracting businesses survive a significant liability claim that exceeds the limits of primary coverage.1 For example, if a backhoe used to dig a pool accidentally destroys part of a customer’s house, the pool and spa company’s general liability coverage may be depleted before the full settlement amount is paid. Umbrella Coverage would help pay the settlement amount in excess of the limits of the general liability coverage.
 
1 Must be written to qualify for program.
Inland Marine is a specialized type of insurance policy sometimes referred to as a “floater” because it typically covers property not covered by other policies. Our specialized underwriters have the tools and knowledge to help most pool and spa businesses tailor coverage to suit their unique needs.
This coverage provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. For example, if an employee injures himself lifting a bag of gunite or becomes ill from inhaling chemical dust, we help get them return to work as soon as reasonably possible or to other transitional work and possibly get them get trained in new skills. This coverage even pays a long-term benefit if an employee can’t return to work at the pool or spa contracting business. In the event that an employee dies due to a work related accident, the policy pays an insurance benefit to the family.
Helps protect the property a pool or spa contractor owns and leases, including equipment such as cement mixers and backhoes, inventory, supplies such as concrete mix and PVC piping, furniture, and tools that are used for pool or spa installation. Businesses can tailor coverage to fit their specific needs.
 
This can include coverage if:
 
  • Equipment owned by the business breaks down.
  • The business is unable to process electronic data.
  • The firm loses income because utility services are interrupted.
     
Our Property Coverage also offers optional protection for employee tools, property in transit and installation. For example, if a water truck is damaged in transit, this could be covered.
Helps cover the vehicles that a pool or spa business owns, leases, rents or borrows – on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles, along with lease and loan gaps. The Hartford provides a wide range of specialized services designed to help businesses improve their drivers’ safety.
Additional Solutions for Pool & Spa Businesses
Helps protect against management liability risks faced by pool and spa contracting businesses and their leaders. Our offering includes:
 
  • Directors, Officers and Entity Liability Coverage (D&O) – helps protect pool and spa contracting businesses, their directors, officers and management team against loss that arises out of the day-to-day operations and management of the company.
  • Employment Practices Liability Coverage (EPL) – helps protect pool and spa contracting businesses from damages and defense costs that arise out of employment-related disputes, including but not limited to alleged discrimination, sexual harassment, violation of the Family and Medical Leave Act, refusal to hire and wrongful termination or discipline.
  • Fiduciary Coverage – helps cover employee claims related to the design, administration and maintenance of company-sponsored retirement, health, and other employee benefit plans.
  • Crime Coverage – helps protect pool and spa contracting businesses against loss from employee theft, similar crimes.
  • Kidnap/Ransom & Extortion Coverage (K&R) – helps protect against financial losses due to kidnap and ransom/extortion, both in the U.S. and abroad.
 
Often included within the insurance requirements section of contracts for pool or spa contractor, this coverage specifically helps protect against theft of a client’s property by an Insured’s employee.
Our end-to-end cybersecurity solutions protect pool and spa contracting businesses from a broad range of potentially severe third-party liability and first party risks associated with data privacy and network security breaches, including hacking, malicious software, activities of rogue employees, hardware theft, employee error and more.
Offers up to 25% of the adjusted loss from damaged covered swimming pool and spa equipment to be put towards replacement with “green” equipment that is more efficient and better for the environment.
Helps spa and pool contracting businesses comply with regulatory requirements when a data security breach occurs; provides guidance on how to prevent and handle a breach; and covers response and liability expenses to help quickly restore confidence in the policyholder’s business.
Helps protect pool and spa contracting businesses against loss from employee theft, computer fraud, and other similar types of crime.
Helps protect swimming pool and spa contracting company employees if they are kidnapped in the U.S or while on business abroad.
Helps cover lost business income if the company is not able to conduct business such as installing pool and spas or performing maintenance and upgrades, due to a covered loss.
Helps protect pool and spa contractor businesses that are unable to collect outstanding balances because account records were lost or damaged as the result of a covered accident.
Helps cover business income lost due to an interruption in communication, water or power services whether in the office or on site installing a pool or spa.
Helps provide protection related to causing pollution on a job site when installing a pool or spa.
Helps ensure that all projects receive the same amount of coverage for all claims.
Helps cover business property damaged by a covered loss during shipment. This includes property that is specific to a pool and spa business’s operations such as PVC and vinyl lining as well as nonspecific property such as computers.
The Hartford’s innovative Risk Engineering team strives to help companies run safer and ultimately more profitable businesses with loss control services that include risk exposure evaluations, consultations, and recommendations for improving businesses’ safety and security. Our Risk Engineering team can work with any pool and business to teach them how to work safely on job sites and in the office.
 
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.