Pool & Spa Builder Insurance Built for Aquatic Construction Risks

CRITICAL: Most Standard GL Policies Exclude or Limit Drowning Coverage

Many general liability policies for contractors have specific exclusions or sub-limits for drowning claims and attractive nuisance exposures. Pool builders MUST have policies specifically written to include full drowning liability coverage with high limits ($2M-$5M minimum) and no attractive nuisance exclusions. Additionally, ensure your policy covers completed operations drowning claims for pools delivered to homeowners, as many incidents occur within the first year of ownership.

Without proper drowning coverage endorsements, a single child drowning claim could bankrupt your pool construction business and expose you to personal liability for multi-million dollar judgments.