B-5 · B-6 · KA-5 · KA-6 · CR-6 · A-9

Insurance for Arizona pool builders and pool service companies.

Excavation, shotcrete, plumbing, electrical, chemicals and backyard access — a pool job touches almost every exposure in construction. We check that your policies cover the whole build, and that your service routes are insured for chemicals and the trucks that carry them.

Get my free coverage review → Book a 15-minute call (623) 323-8385

What we check for you

Excavation and structural work on your GL
Chemical handling and pollution exclusions
Service route trucks and hired & non-owned auto
Equipment — excavators, pumps, shotcrete rigs
Sub certificates for plaster, tile, electrical and plumbing

Who this is for

Pool and spa licenses.

Residential and commercial pool builders, remodelers, pool service and repair companies, and spa and hot tub installers.

B-5General Swimming PoolB-6General Swimming Pool Including SolarKA-5Dual Swimming PoolKA-6Dual Swimming Pool Including SolarA-9Swimming Pools (commercial)CR-6Swimming Pool Service & RepairB-10Pre-Manufactured Spas & Hot Tubs

Classification names are summarized. DANESURE is not affiliated with the Arizona Registrar of Contractors — confirm your license on roc.az.gov. Hold a license not listed here? See every trade we work with or just send us your policies.

Contract requirements you’ll see

What homeowners’ lenders, HOAs and commercial owners ask for.

Commercial and HOA pool contracts, and some residential lenders, typically ask for:

Additional insured status for the GC and owner, including completed operations (often on CG 20 10 / CG 20 37 forms or their equivalents)
Primary & non-contributory wording, so your policy pays before theirs
Waiver of subrogation on GL, workers’ comp, auto and umbrella
Per-project aggregate so one job can’t use up the limit for every other job
Minimum limits — commonly $1M per occurrence / $2M aggregate, plus an umbrella

Send us the insurance page of your contract

Before you sign, forward the insurance requirements (usually an exhibit or a paragraph titled “Insurance”). We’ll tell you what your current policies already meet, what needs an endorsement, and what it would cost to close the gap — before the GC’s risk manager rejects your certificate.

Upload policies & contract

Coverage

Coverage from dig day to service route.

Every line priced at minimum, standard and higher limits — with your contract requirements as the floor, not an afterthought.

Liability

General liability

Covering excavation, structural shell and completed operations — plus premises exposure in someone else’s backyard.

Pollution

Pollution / chemical liability

Chlorine and acid handling and storage are commonly excluded from GL.

Workers’ comp

Workers’ compensation

Builders, service techs and office staff in the correct classes.

Auto

Commercial auto

Service route trucks carrying chemicals, and equipment haulers.

Equipment

Contractors equipment

Excavators, skid steers, shotcrete and plaster rigs, pumps.

Excess

Umbrella / excess

Extra limits for commercial and HOA pools.

Typical risks

Where pool contractors get hurt.

Damage to a neighbor’s wall, utility line or landscaping during excavation
Chemical exposure or spill with no pollution coverage
Shell cracking and defect claims years after completion
A service tech’s truck accident with chemicals on board
Subs without their own workers’ comp added to your audit

How it works

Honest timing, start to finish.

Send us what you haveUpload your dec pages or policies (GL, workers’ comp, auto, equipment, umbrella) or email them to [email protected]. Add your EMR worksheet and a sample contract’s insurance section if you have them.
Written Cost & Risk report within 24 hours of receiving your documentsWe read every line: class codes, experience mod, limits against your contract requirements, endorsements, exclusions and gaps. This is the review — not carrier quotes.
A 15-minute callWe walk you through what we found, in plain English. If nothing needs fixing, we tell you that — you keep the report either way.
If you want options, we shop itWe market your account to multiple carriers in our network. Carrier quotes typically take 1–2 business days once underwriters have what they need (payroll by class, loss runs, vehicle and equipment lists).

FAQ

Pool contractor insurance questions.

Are pool chemicals covered by my GL?

Often not. Many GL policies exclude pollution, which can include chemical releases. A pollution or chemical endorsement or separate policy may be needed.

I only do pool service — do I need the same coverage as a builder?

No. Service companies need GL, auto and workers’ comp rated for service work, with attention to chemicals. Builders add excavation, structural and completed-operations exposure.

What do you need to review my program?

Dec pages for your current policies, your workers’ comp experience mod if you have one, and a sample contract. You’ll get a written report within 24 hours of receiving them.

Free coverage review

Send us your policies. Get a straight answer in 24 hours.

A written Cost & Risk report within 24 hours of receiving your documents, then a 15-minute call. No cost, no obligation, no pressure to switch.

Start my free coverage review → Book a 15-minute call

No policy yet? New ROC license — get covered to start work · Or call (623) 323-8385