Florida Swimming Pool Contractors Insurance

Written By; Krystal Jackson, President with 17+ years in property casualty insurance with a focus on contractors and garage liability. Her team is experts in contractors insurance and work with several insurance companies that specialize in swimming pool contractors.

Need Insurance for your Pool Contracting business? At Barbee Jackson Insurance we have a team of insurance agents that specialize in insuring every type of contractor - including pool contractors. We work with dozens of insurance companies that have specialized programs that can provide a package policy that meets all your insurance needs.

As one of the hottest states in the country, a pool is almost a necessity to survive the summer heat. In addition, Florida is one of the fastest growing states, with new homes being built everywhere we turn. That puts Florida Residential Pool Contractors in high demand. It is important that you have an insurance agent that can keep up with your business.

We understand the ins-and-outs of regulations set by the Department of Business and Professional Regulation (DBPR) and the Division of Workers Compensation(DWC). At Barbee Jackson Insurance our agents have over 17 years' experience working with contractors. Call us today to get started (850) 389-2001

Type of Operations we can Insure

New and Existing Ventures
Swimming Pool Service
Swimming Pool Construction
Swimming Pool Subcontractors

“Great price
so pleased to deal with seasoned professionals fo the last two years. was sick and tired of waiting for return calls fron Auto Orners brokers unless it was to secure the premium .Then they seemed just pick a number and double it year after year. Well done Barbee”
⭐⭐⭐⭐⭐Adam Killick

Coverage Options

Florida Residential Pool Contractors have needs very specific to their line of work. Whether it be higher limits to match county/city regulations, insurance for your equipment or specialized coverage - we have the right insurance at the best price. Some of the coverages that will need to be discussed and tailored to the operations are discussed below.

General Liability: Provides coverage and protection for damages to others. This is for both property damage and bodily injury. Minimum coverage limit set by the State of Florida is $100,000 bodily injury and $25,000 property damage.
Commercial Auto/Fleet Insurance: Coverages for liability (both bodily injury and property damage), physical damage (comprehensive and collision), loss of use (substitute vehicle in the event of a covered loss), towing & labor, hired and non-owned auto coverage, as well as many other specific coverage options specifically designed to protect your business.
Equipment Floater/Inland Marine: Whether it is tools or equipment or a $100,000 piece of equipment, this coverage will provide protection from loss.
Commercial Property: Whether it is the building you own that contains your business or just the contents inside a building you lease, we can provide coverage to replace these items in the event of a loss.
Commercial Umbrella: Provides an extra amount of liability protection over all of the underlying coverages. For example, an extra $1,000,000 in liability on top of the underlying general liability, auto liability, and other optional coverages that it can go over.
Workers' Compensation Insurance: Coverage to protect your employees who may be injured on the job site or during the course of the work day.
Bid, Performance, and/or Payment Bonds: A very important requirement for Florida Residential Pool Contractors to obtain jobs and protect through the project until completion. It may not be required at all or just one of the above.

💡Krystal’s Pro Tip - Pool contractors fall under the construction class code and the law states that if you have one or more employees - Workers Compensation is required. The fines for not having workers compensation compound daily.

Endorsement - Swimming Pool Pop-Up

In a 2015 case Liberty Mutual vs Martinez ruled that an inground swimming pool that pops-up because of groundwater build up is not covered by a homeowners policy. The contractor that installs a pool that pops-up can be held liable for the repairs.

Adding an endorsement named Pool Pop-up to the general liability will save you thousands if this happens to one of your clients.

💡Krystal’s Pro Tip - Buy it - the endorsement only cost a few hundred of dollars, but if you don’t have the endorsement then you could be out thousands.

Michelle Whittington⭐⭐⭐⭐⭐ “Had my doubts when I placed the call. The moment I was speaking to Tyler, he made my experience awesome. He stayed focused, was very helpful, positive, & very polite. I would give 10 stars for customer service. Thank you, Tyler.”

Frequently Asked Questions

Q: How quickly can I get a certificate of insurance?
A: Within five minutes during normal business hours! We understand that without a certificate of insurance you can't get on a job site, or worse yet, paid for a completed project. We have an inbox that goes to every member of our organization and as soon as a certificate comes in, it is handled before anything else. If it is after business hours or on a weekend, we still monitor the inbox and will respond as quickly as possible.

Q: If I have a claim, who do I call?
A: Our office. We want to help you through the whole process. Call our office as soon as safely possible and we will help you get the claim reported and provide help and information regarding the next steps.

Q: I have quite a lot of equipment, is it covered?
A: Not automatically but it can be added. Often this coverage is not very expensive but can provide a very comprehensive option to protect your assets. It will be important to compile a list of the equipment and their values to begin putting a quote together. There is also an option for a blanket coverage for small tools and equipment to make sure they are protected as well.

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Florida Residential Pool Contractors, don't spend any longer with the wrong coverage or inadequate service. Let the experienced agents and staff of Barbee Jackson Insurance help support your business. Make the call today for a Free, Comprehensive Insurance Review.
(850) 389-2001