Pool Builder Insurance in Arlington, TX
If you build swimming pools for a living, you already know how complex each project can be; permits, materials, weather delays and subcontractors are just the beginning. In Arlington, TX, insurance may be required for licensing, permits or contracts.
Pool construction involves property risks, physical labor and client expectations. Insurance can help your business stay financially protected when the unexpected happens.
What Kind of Insurance Do Pool Builders Need to Have in Texas? 
Pool builders typically need a mix of commercial coverages, even though the state doesn’t mandate all of them. The following are among the most commonly recommended coverages:
- General liability insurance—Clients or local building departments may require this coverage; it may cover third-party injuries or property damage caused during the course of work.
- Workers’ compensation—Texas is one of the few states that doesn’t require most private employers to carry workers’ comp. However, opting in can help protect your business from costly lawsuits if an employee gets hurt on the job.
- Commercial auto insurance—This policy may cover business-related vehicle accidents if you use trucks or vans to haul materials and tools.
- Tool and equipment coverage (inland marine)—This coverage may financially protect your gear on jobsites and in transit.
- Professional liability—This coverage may help pay for claims of negligence, design flaws, or project mismanagement that result in financial loss to a client.
How Much Does Insurance for a Pool Construction Business Usually Cost?
Premiums vary widely depending on your business profile. Here are a few key factors that can affect your insurance costs:
- Number of employees—More workers usually mean a higher premium, especially if you carry workers’ comp voluntarily.
- Type of projects—Residential pool installations may cost less to insure than commercial or specialty builds.
- Claims history—A clean record helps keep premiums lower.
- Location and local rules—Insurance requirements and pricing may differ depending on the permitting and risk environment in your part of Arlington, TX.
Why Is It Important for a Swimming Pool Contractor to Have Insurance?
Without insurance, one mishap could lead to major financial loss or legal exposure. Even if Texas doesn’t mandate certain policies, insurance can help protect your income, assets, and ability to keep working. Contact us today to learn more.