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Pool & Spa

Pool Service & Construction Contractor Insurance in Florida

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February 3, 2025·7 min read

Chemical exposure, completed-ops, and why pool contractors pay more for GL.

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Simple monthly payments. High-hazard appetite for landscapers and tree trimmers in all 50 states. An indication is not a binder.

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Pool contractors face unique exposures: chlorine handling, drowning liability, and the longest completed-operations tail in the trades.

Coverages You Cannot Skip

  • General Liability with completed-operations (10-year tail recommended)
  • Pollution endorsement for chemical spills
  • Workers' comp under code 0042 (service) or 5223 (construction)
  • Commercial auto with chemical-cargo coverage

Florida-Specific

Pool barrier laws and the Residential Swimming Pool Safety Act create a near-strict-liability environment for missed inspections. Carry $2M aggregate minimum.

Compare Florida pool-contractor quotes today.

Working around trees? Read our guide to tree trimmer insurance, or get a free $0 Down® indication in a couple of minutes.

Free indication · No obligation

Get a free $0 Down® indication

Simple monthly payments. High-hazard appetite for landscapers and tree trimmers in all 50 states. An indication is not a binder.

Tree crews: see $0 Down® tree trimmer liability.

Get a Free Indication
Free indication · No obligation · High-hazard appetite

$0 Down® liability insurance for landscapers and tree trimmers.

Designed to protect your reputation. Landscapers and tree trimmers in all 50 states. One short form.

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