Specialty insurance for pool service and construction companies.

Almost always. A personal auto policy excludes business use, so the moment your service techs run a route or your crew hauls equipment between job sites in a company truck, a personal policy can deny the claim. Commercial auto covers the trucks, service vans, and trailers your operation runs — including the hired and non-owned exposure when a tech uses a personal vehicle for work.

Pop-up refers to hydrostatic uplift — when a pool is drained for service or construction and groundwater pressure under the shell pushes it out of the ground, cracking the structure. It is not a separate policy; it is a specific exposure that has to be handled correctly inside your general liability and property coverage. Many standard contractor forms quietly exclude it, which is exactly why the wording matters.

They are different trades carrying different risks. A service company runs recurring routes — cleaning, chemical treatment, liner work — so its exposure centers on chemical handling, customer-property damage, and auto. A construction company digs, sets steel, and pours gunite, so it carries excavation, structural, and completed-operations risk. Writing both off one generic form underprices one and overprices the other; we rate each to the actual operation.

We are licensed in 48 states, so we can place workers comp across nearly the entire country. The exception is the four monopolistic states — North Dakota, Ohio, Washington, and Wyoming — where private carriers cannot write workers comp at all and coverage comes only through the state fund. We will flag that up front and make sure your crew is covered correctly in every state you operate.

General liability responds to third-party bodily injury and property damage arising from your work. On a pool job that means a guest or child hurt at an open, unfenced excavation, a chemical splash injuring a bystander, water damage to a customer’s deck or landscaping during a build, and faulty-workmanship allegations after a pool is finished. It does not cover your own tools or your crew’s injuries — those sit under equipment and workers comp.

There is no single price, because premium is driven by the specifics of your operation. The biggest factors are your annual payroll and the trades it covers, how many trucks you run, your mix of service versus construction work, your claims history, and the state you operate in. A clean-record service company looks very different to an underwriter than a builder doing deep gunite installs. We price to the real risk, not a generic guess.