Insurance for pool builders and gunite contractors.

General liability, workers’ comp, auto, and equipment coverage for pool builders and gunite and shotcrete crews, from excavation to plaster, with completed operations that answers long after the pool is filled.

What pool builders usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Gunite rigs and heavy equipment
Installation floater
Umbrella

Watch for these in a pool builder’s policy

Collapse and earth movementDigging a pool can undermine a wall, a slab, or a neighbor’s patio. Some policies exclude collapse and earth movement unless they are added back.
Retaining wallsPools on slopes often need retaining walls. Some policies exclude walls above a set height, so check yours before you bid a hillside yard.
Diving boards and slidesDiving injuries are among the most severe claims a pool builder can face. Some policies exclude boards and slides, so ask before you install one.
Your subcontractorsMany policies require certificates from every sub you hire, and uninsured subs get charged at audit.

What homeowners, GCs, and permit offices ask pool builders for

Additional insuredGCs and developers on commercial pools, for ongoing and completed operations, CG 20 10 and CG 20 37.
Certificates for permitsMany cities ask for proof of insurance before they issue a pool permit.
Completed operations for yearsCommercial contracts often ask you to keep completed operations coverage in force for years after the pool is done.
UmbrellaHotel and community pools often require one.

Questions pool builders ask

Straight answers.

The questions we hear most, answered plainly.

Does my policy cover a pool shell that cracks after the job?

General liability pays for damage the crack causes to other property, like a flooded basement or an undermined patio. Repairing the shell itself is your own work, a warranty matter rather than an insurance one.

Is my gunite rig covered?

Not by general liability, and auto covers only the truck. The gun, compressor, and mixer need contractors equipment coverage, scheduled at what they are worth.