Alishahi InsuranceIndependent Insurance Broker
Glass-walled house with a pool
Who insures it · 4 named markets · read 2026-10-28

Who insures Pool contractors?

Pool contractors is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

4 markets publicly write Pool contractors: NIP Group, Philadelphia Insurance Companies, Kinsale Insurance, Arlington/Roe. 1 program administrator, 1 admitted carrier, 1 E&S carrier, 1 wholesaler.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
NIP Group
Program administrator		PoolPro package for pool builders and service contractors, including above- and below-ground swimming pool installation, servicing or repair.
“Place your pool contractor accounts with the industry specialist – PoolPro”		not statednot statednipgroup.com · read 2026-10-28
Philadelphia Insurance Companies
Admitted carrier		Pool & Spa Contractors program addressing the coverage requirements of companies that provide pool and spa contractor services.
“companies that provide pool and spa contractor services”		not statednot statedphly.com · read 2026-10-28
Kinsale Insurance
E&S carrier		Construction casualty; a Swimming Pool Contractor's application is offered under Construction Applications (not a listed target class).
“Swimming Pool Contractor's”		not statednot statedkinsaleins.com · read 2026-10-28
Arlington/Roe
Wholesaler		Construction & contractors placements; 'Swimming Pool Contractors' is a listed class; new ventures acceptable.
“Swimming Pool Contractors”		All states (producer territories listed; Midwest target market per home page)not statedarlingtonroe.com · read 2026-10-28

Kinsale is evidenced only by a public class application, not a target-class statement. Novatae and Colonial General own sites do not list pool contractors; their CompleteMarkets storefronts returned 403. Burns & Wilcox's pool article is behind a subscriber gate.

How Pool contractors gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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