Top Mistakes Pool Contractors Make When Shopping for Business Insurance
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 15
- 2 min read
Pool contractors face significant risks—from job-site injuries and property damage to equipment loss and client claims. Despite this, many contractors make costly mistakes when shopping for business insurance, leaving their companies exposed. Understanding these common errors can save time, money, and headaches.
This guide outlines the top mistakes pool contractors make and explains how Wexford Insurance can help you secure proper coverage without the pitfalls.
Common Mistakes Pool Contractors Make
1. Choosing the Cheapest Policy
Focusing solely on price may leave gaps in coverage. The cheapest policy might not cover high-risk scenarios like pool installation errors or chemical mishaps. Always compare coverage limits, exclusions, and overall value.
2. Ignoring State Requirements
Each state has different insurance mandates for contractors, including workers’ compensation and minimum liability coverage. Ignoring these requirements can result in fines or project disqualification.
3. Overlooking Specialized Coverage
Pool contractors often need specific policies beyond standard business insurance, such as:
General Liability Insurance – Covers third-party bodily injury and property damage on the job site.
Workers’ Compensation – Required in most states for employees; covers medical bills and lost wages.
Commercial Auto Insurance – Protects company vehicles transporting tools, materials, or staff.
Professional Liability (Errors & Omissions) – Covers mistakes or design flaws in pool installation or repair.
Tools & Equipment Coverage – Protects your machinery, pumps, and tools from theft or damage.
Failing to include these specialized coverages can leave your business vulnerable.
4. Not Reviewing Policy Limits and Exclusions
Low limits or hidden exclusions can result in uncovered claims. Carefully review every policy term to ensure full protection.
5. Skipping Expert Advice
Some contractors try to buy insurance without consulting a specialist. Working with an experienced contractor insurance agency ensures you get policies tailored to your business risks.
How Wexford Insurance Can Help
Wexford Insurance specializes in pool contractor coverage. They compare multiple carriers to find policies that meet state requirements, industry standards, and your budget. By working with Wexford, you avoid common mistakes and get comprehensive protection tailored to your business.
👉 Request a pool contractor business insurance quote from Wexford Insurance today and secure the coverage you need without costly errors.
