Blog · Coverage Explained
Coverage Explained
Pool contractor insurance guides in coverage explained, written and reviewed by Nate Jones, CPCU.
- Coverage Explained
Is Pool Pop-Up Damage Covered by General Liability?
Is pool pop-up covered by general liability? The honest answer — it depends on the form and endorsement — plus the exclusions and what to check.
- Coverage Explained
Contractors Equipment vs. General Liability: The Coverage Gap
Contractors equipment covers your own gear; general liability covers harm to others. Neither covers the other’s job — here is the gap between them.
- Coverage Explained
Do I Need Commercial Auto If My Crew Drives Their Own Trucks?
Crew drives their own trucks? A personal auto policy may deny a business-use claim. Here is where hired and non-owned auto fits — and where it does not.
- Coverage Explained
Does Commercial Auto Cover a Towed Trailer and Its Equipment?
Commercial auto often covers the trailer in tow — but the equipment loaded on it usually sits under contractors equipment, not auto. Here is the seam.
- Coverage Explained
Does Commercial Property Cover Pool Supply Inventory and Chemicals?
Does commercial property cover stored pool inventory and chemicals? Usually, as business personal property — but conditions and exclusions decide it.
- Coverage Explained
Does General Liability Cover a Subcontractor’s Mistake on a Pool?
Does general liability cover a subcontractor’s mistake on a pool? Not automatically — how a sub’s error rolls up, and the defenses that stop it.
- Coverage Explained
Does General Liability Cover Water Damage to a Customer’s Property?
Does general liability cover water damage to a customer’s property? The honest answer — it depends on whose property and whether it is the work itself.
- Coverage Explained
Does an Umbrella Cover Pool Pop-Up or Excavation Claims?
Does an umbrella cover pool pop-up or excavation claims? It follows the underlying form, so the primary policy decides what the umbrella inherits.
- Coverage Explained
Does Workers Comp Cover a 1099 Subcontractor on a Pool Crew?
Does your workers comp respond when a 1099 sub on your pool crew is hurt? Usually not as your worker — but an uninsured sub can land on your policy.
- Coverage Explained
General Liability vs. Professional Liability for Pool Builders
General liability vs. professional liability for pool builders — which form answers for bodily injury and property damage, which answers for design errors.
- Coverage Explained
Is Pool Equipment Covered If It’s Stolen From a Job Site?
Equipment stolen from an unattended job site is a core contractors equipment claim — but coverage turns on the form, the schedule, and security conditions.
- Coverage Explained
Pool Crew Member Injured in a Monopolistic State?
If a pool crew member is hurt in a monopolistic state, comp comes through the state fund — not a private policy. Here is what that means for the claim.
- Coverage Explained
What’s Covered If Your Pool Shop or Yard Is Damaged?
If your pool shop or yard is damaged, what does commercial property cover? The building, contents, staged yard, and lost income — with honest conditions.
- Coverage Explained
How Umbrella Coverage Actually Works for a Pool Contractor
How umbrella coverage mechanics work for a pool contractor — the schedule of underlying, the attachment point, and follow-form vs. true excess explained.
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