While most insurance companies heavily market their products to contractors, they are typically reaching for standard classes like painters or electricians. The world of contracting is large with plenty of variety. Through years of experience our Agency has adopted and applied additional resources for Pool Contractors. (Article image used is one of our client’s completed projects)
Special Considerations for Pool Contractors Insurance:
At Wes Connor Insurance we treat pool and spa contractors distinctly, so that the risks associated with their operations are covered completely. We ensure that items such as “pool pop-up coverage” under completed product operations are NOT excluded. We look at each policy independently, seek out the most valuable combination.
Another common area of improvement we see with pool contractors is imbedded in the structuring of extending coverage limits. Excess Liability coverage and Umbrella coverage are NOT the same. Only the Umbrella will provide drop down coverage to fill gaps, where excess liability will only extend limits with policy limitations taken into consideration.
Common Coverages for Pool Contractors:
- General Liability (Products Completed Operations)
- Property
- Business Auto
- Equipment (Inland Marine)
- Workers Comp
- Umbrella
- Employment Practices Liability
- Etc.
Insurance Companies for Pool Contractors:
Through years of working with pool installers and contractors we have expanded the Insurance Companies we offer to include those that equally consider the specific risks of pool contractors within the products (policies) they offer. This has given us an advantage when shopping for pool and spa contractor coverage.
Our Agency represents your household name insurers like Hartford and Auto Owners, however, companies that have niche programs are better suited for pool contractor liability. For this class we will likely consider Philadelphia, Builders Mutual, Westbend Mutual, Great American, and others that have been building strong reputations.
Quoting Process at Wes Connor Insurance
We take a client first strategy right out of the gate. Our quote process begins with a conversation to gain an understanding of the operations and standing of the business. At this point we can advise strategy in your current scenario if applicable, at the same time we act on your behalf to obtain the best quote possible.
If we cannot increase the value of your coverage by either 1) reducing cost with equal coverage, or 2) increasing coverage at materially the same cost, we will advise that you are in the best position. Optimally, this outcome would provide additional confidence in your current coverage. If we can improve the scenario, we will then take the opportunity to explain why and how.
