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Swimming Pool Contractors: How Insurance Protects from Risks

The trend to install in-ground, partial in-ground and above ground swimming pools on a homeowners’ property is on the upswing, especially when the hot weather of summer is heralded by spring.

Related: swimming pools, diving boards and the inherent risk to the homeowner

Related: how insurance protects the general contractor

For the swimming pool contractor, involved risks demand tailored insurance coverage.

Swimming pool contractors can protect themselves with an insurance program created explicitly in response to the steps involved in installing and/or maintaining a swimming pool.

This includes:

  • Preparation of the ground
  • Installation of concrete or wooden decks around the pool
  • Related pipe connection
  • Pump fitting
  • Filter connection

Customized features in the pool area may also include:

  • Changing rooms
  • Shower facilities
  • Hot tubs
  • Slides
  • Wading steps or area
  • Fountains
  • More

From the insurance perspective, the use of water-purifying chemicals that also aid in preventing or eliminating mold or algae adds a significant element of risk to maintenance duties.

Liability exposure is highlighted by the possibility of installation or maintenance negligence that results in a swimmer’s death or injury.

For more on insurance for the swimming pool contractor, speak to the experienced experts at Prime.


PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: As the warmer weather arrives, swimming pool contracting is on demand by homeowners. Related liability is addressed by a tailored insurance program.


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