Contractors and Builders
Insurance Premiums on the Rise: How Pool Pros Can Stay Afloat
One pool company reevaluted their insurance carrier when faced with a premium increase. Learn why weighing your options may not be a bad idea.
Recently, Grimes Pools was in the thick of their busy season. Builds were in every stage, some still in permitting, others halfway done, and they barely had time to look up. Then their renewal hit: another premium increase with no heads-up and no strategy to reduce it.
Fortunately, they reevaluated their needs with a new carrier who stepped in with a clear plan: a full review of their program, a benchmark against industry peers, and a roadmap for how to move forward. Going with a pool-specific program, resulted in about 15 percent savings, and risk management improvements like driver safety protocols and subcontractor agreements. Today, they have direction, better protection, and the confidence to focus on growing their business.
So why are companies like Grimes Pools seeing their rates spike? And more important, how do you stay afloat? Let’s dive into the four forces pushing premiums higher, the pitfalls to watch when you shop for coverage, and the practical steps that can soften the blow at renewal time.
The Four Currents Lifting Pool Insurance Premiums
1. Claims and litigation are swelling.
Slip-and-falls around wet decks, chemical handling injuries, construction defect suits—every claim costs more than it did five years ago. Industry-wide, liability payouts have surged, climbing an average of 16% annually, with no slowdown in sight. Juries are also handing out larger awards (the so-called “social inflation” effect), so carriers pad rates to keep loss ratios healthy.
2. Mother nature packs a bigger punch.
Hurricane Idalia caused an estimated $2.5 to $4 billion in insured losses, with total economic damage potentially reaching $20 to $30 billion. Add to that a record-breaking year for hail in Texas—affecting over 2 million homes—and extensive wildfire losses in California, and reinsurers (the companies that insure your insurer) are facing mounting costs. As reinsurance expenses climb, primary carriers pass that burden downstream, contributing to higher premiums for policyholders.
3. Materials and labor costs keep climbing.
Materials and labor costs continue to rise due to persistent workforce shortages and price increases for essential construction materials. Additionally, uncertainty around tariffs on imported steel and aluminum could push these expenses even higher. Repairing the same claim simply costs more, and underwriters factor these increased costs directly into your premium.
4. Shrinking carrier appetite.
Fewer insurers are willing to write pool and spa risks—especially in high-claim states or for builders with even a minor loss history. Carriers are trimming their books, limiting coverage, or exiting the space altogether. Less competition means less pricing pressure, and underwriters get pickier about who they’ll take on. That combination drives premiums up and narrows your options.

Choosing an Insurance Carrier: Look Past the Sticker Price
Seek industry-specific coverage.
A one-size-fits-all contractor policy often excludes the unique risks faced by pool professionals—like chemical handling or pollution losses and design defects. Be sure your policy specifically addresses these exposures to avoid costly gaps in coverage.
Scrutinize the fine print.
Look for sublimits that quietly gut your protection—water damage caps, mold exclusions, or subcontractor warranty clauses.
Gauge financial strength.
Choose an A-rated carrier with a proven track record in the construction space. A carrier experienced in this sector is more likely to offer stable pricing and coverage that accounts for the unique risks pool professionals face. They’re also less likely to pull capacity when the market tightens. Check AM Best or Standard & Poor’s ratings before you sign.
Test the claims process.
Insurance is only as good as the adjuster who shows up when something breaks. Talk to peers: Did the carrier assign a dedicated construction specialist? How fast were reserves set? Was the settlement fair? Just as important, make sure the broker you work with has a dedicated claims team to assist and advocate for you throughout the process.
Demand proactive risk support.
The best partners help you avoid claims in the first place—onsite safety audits, toolbox talk templates, chemical handling checklists, contract language reviews. Those services can trim losses and, in turn, tame future rate hikes.
Planning Ahead: Five Moves to Keep Costs Contained.
- Budget for reality, not hope.
Build an eight to ten percent line-item increase into next year’s P&L. If you beat it—great. If not, you’re covered. - Document your safety culture.
Underwriters love evidence: signed training logs, SDS binders, weekly job‑site inspections. Hard data can earn credits worth three to five points on your rate. - Review limits and endorsements annually.
Did you add commercial pool remodeling? Start subbing out more work? Growth shifts your risk profile; adjust coverage before the insurer does it for you. - Benchmark against peers.
Ask your broker for a blind comparison of deductibles, limits, and rates across similar pool companies in your region. Gaps—high or low—signal where to tweak. - Lock in multi-year programs when you can.
Some carriers offer two or three-year rate agreements for accounts with solid loss histories. It’s hedge insurance against the next hard market wave.
Where Choosing a Quality Insurance Carrier Fits In
If you’d rather spend your time pouring concrete than decoding exclusions, a specialized partner helps. Look for carriers focused on pool and spa risks, from backyard installations to Olympic-size complexes. A solid pool insurance program closes industry-specific gaps, advocates during claims, and delivers risk management tools that keep premiums from spiraling.
The Takeaway
Premiums are rising because claims cost more, storms hit harder, and the global reinsurance tide is pushing all boats higher. Yet pool pros aren’t powerless. Understand the market forces, pick a carrier that truly knows chlorinators from coping stones, and put a proactive plan in place long before renewal. Do that, and you’ll keep insurance from eating the profits you worked so hard to build—no matter how choppy the water gets.
Contractors and Builders
“But It Passed Inspection”: Why That’s No Defense for Code Non-Compliance
Every pool builder or contractor has heard it—or said it—at some point:
“But it passed inspection.”
Those words often come up in courtrooms, after a project has gone sideways and litigation is underway. It’s a phrase meant to shift blame, to suggest that because an inspector signed off, everything must have been done correctly. Unfortunately, that’s not how the law works.
Passing inspection does not equal being code-compliant. And when problems arise, it’s the builder or designer, not the inspector, who carries the legal and financial responsibility for non-compliance. Understanding how building standards are adopted, enforced, and referenced is critical for every professional in the pool and spa industry.
Understanding How Standards Become Law
Most contractors know that building codes exist, but fewer understand how those codes are structured. Many of the technical details that govern your work are not printed in the state building code itself. Instead, they’re part of what’s known as “adopted by reference”—external standards that are legally binding even though they aren’t printed word for word in the codebook.
For example, the International Code Council’s International Swimming Pool and Spa Code (ICC-ISPSC) is one of the most widely adopted pool construction standards in the country. Many states have formally adopted the ISPSC by reference through their residential or building code appendices. That means that even though you won’t find every detail of the ISPSC spelled out in the printed state code, it carries the full weight of law.
How “Adopted by Reference” Works
When you look at your state’s residential building code, you’ll often find an appendix titled “Referenced Standards.” This section lists all of the national and international standards the state has chosen to adopt for that code cycle.
Most of the larger, more populous states are on a three-year code revision cycle, staying current with the ICC and IAPMO (International Association of Plumbing and Mechanical Officials) updates. Smaller states tend to move on longer cycles, sometimes adopting every six or nine years.
Instead of reprinting the full ISPSC document, the state code typically includes a short statement that ties the local law directly to that standard.
For example:
•. In the 2015 Texas Residential Code, section 326.1 states: “The design and construction of pools and spas shall comply with the International Swimming Pool and Spa Code.”
•. The 2018 Tennessee Residential Building Code uses nearly identical language in its own section 326.1.
This simple line means that the entire ISPSC—every clause, every diagram, every standard—becomes part of that state’s enforceable building law.

What’s Inside the ISPSC?
When a standard is adopted by reference, you’re bound to comply with all of it. That includes requirements for:
•. Water circulation rates and line velocities
•. Floor contours, slope transitions, and steps
•. Handholds and ladder spacing
•. Anti-entrapment and anti-drowning features
•. Safety barriers, fencing, and alarms
•. Structural load and shell integrity
•. Equipment placement, bonding, and electrical standards
In short, “adopted by reference” brings the entire ISPSC—and all of its subsections—into play for every new pool or spa construction project in that jurisdiction.
When Local Jurisdictions Modify the Code
Local municipalities do have some authority to modify state codes, but they can’t do it informally. To avoid enforcing specific portions of the state building code, a local government must pass a formal resolution listing every section of the state code that they are choosing not to adopt.
This is rare, but it happens. For example, California and Florida both have their own pool-specific codes that go beyond the ISPSC. These state-level codes are considered more stringent than the ICC’s model code, so they don’t need to reference it directly.
However, for the vast majority of states, the ISPSC—or another comparable standard—is part of the law by reference.
Inspectors Are Not the Final Authority
Here’s where many builders get tripped up: local inspectors do not routinely read or study the building codes in full detail.
Most inspectors rely on experience and precedent. It’s not until they review a set of plans that cites a specific code section or standard that they realize a particular provision applies. That’s why a project can “pass inspection” even though it’s not fully compliant with the adopted standards.
In these situations, ignorance of the code is not a defense—for the inspector or the builder. But while inspectors are largely protected by sovereign immunity, meaning they can’t be sued for missing violations, builders and designers are not.
If a defect later leads to injury or property damage, the responsibility lands squarely on the contractor or design professional. Courts have consistently ruled that “passing inspection” does not exempt a builder from liability if the work fails to meet applicable codes and standards.

The Legal and Financial Reality
In personal injury or construction defect litigation, one of the first questions attorneys ask is: “Was the work code-compliant?”
If the answer is no, it doesn’t matter that the project was approved by a local inspector. The standard of care in these cases is what the law requires, not what the inspector accepted.
Builders and designers are legally responsible for:
•. Knowing which codes apply in their jurisdiction
•. Keeping current with code updates and revisions
•. Ensuring that all referenced standards are followed
•. Documenting compliance throughout the project
Failing to do so can expose contractors to claims of negligence, breach of contract, or professional misconduct, even years after the project is complete.
“It Passed Inspection” Is Not a Defense
The concept of sovereign immunity exists to protect public officials, including building inspectors, from lawsuits when they make honest mistakes. That protection does not extend to private builders.
In the eyes of the law, you’re the expert. You’re expected to know the applicable codes and standards. When a violation exists, you can’t rely on an inspector’s oversight as a shield.
Saying, “But it passed inspection,” is equivalent to admitting you didn’t understand your own obligations under the law.
Staying Ahead of the Curve
So, where should builders go to stay informed? The most accessible resource is UpCodes, an online library that provides searchable access to state-specific building codes and referenced standards.
UpCodes makes it easy to:
•. Search your state’s adopted code cycles
•. Review appendices for referenced standards
•. Track amendments or local modifications
•. Stay up to date on pending revisions
It’s also a good practice to maintain a copy of the current ICC-ISPSC or your state’s equivalent pool code in your office or jobsite trailer. Regularly reviewing it with your design and field teams helps prevent costly oversights.
A Builder’s Responsibility
Complying with building codes and referenced standards isn’t about passing inspections—it’s about protecting lives, property, and your professional reputation.
Builders who study their codes, document compliance, and communicate clearly with inspectors and clients show the kind of professionalism that defines true craftsmanship.
Codes aren’t arbitrary red tape; they’re the accumulation of decades of engineering, safety research, and field experience. When you follow them—not just the parts you know, but the full scope of what’s adopted by reference—you’re doing more than meeting legal requirements. You’re building with integrity.
Final Thoughts on the Subject
The next time you hear someone say, “But it passed inspection,” remember this: inspections are a checkpoint, not a certification of compliance. The responsibility—and the liability—always comes back to the builder.
Do your homework, know your state’s adopted standards, and make compliance a cornerstone of every project. It’s not just good business—it’s the law.
Contractors and Builders
LATICRETE Expands HYDRO BAN® System to Speed Up Shower Installation
New Peel & Stick Sheet Membrane Accessories and Modular Shower Pans Deliver Economical Options for Installation Flexibility
Bethany, CT – LATICRETE, a manufacturer of globally proven construction solutions for the building industry, announces expansions to its HYDRO BAN® Shower System. New peel-and-stick sheet membrane accessories, modular shower pans, and preformed curbs make their debut. The new products are specifically designed to deliver streamlined waterproofing installation options for tile professionals and contractors.
Professional-Grade Peel & Stick Waterproofing Accessories
Seven new HYDRO BAN Peel & Stick Sheet Membrane Accessories are now available, delivering industry-first innovation for mess-free wet area installations. Each features a non-organic adhesive to circumvent the mold and mildew concerns that can arise with organic chemistries in wet areas. The expansion includes sealing tape in three sizes, preformed inside and outside corners, a pipe collar, and nail circle patches. Whether sealing around pipes, corners, or wall seams, the new accessories eliminate the need for additional adhesives or mortars for membrane installation.
“These accessories are designed to make waterproofing as intuitive as possible,” said Dustin Prevete, senior group product manager at LATICRETE. “Both experienced tile setters and those new to waterproofing will find a fast and reliable application delivered through a simple installation method: just peel, stick, and seal.”
The peel-and-stick format ensures consistent adhesion and flexibility that minimizes user error. When used in conjunction with other vapor resistant waterproofing solutions, they are an ideal choice for steam rooms, steam showers, bathrooms, and other high-humidity environments.
Modular, Pre-Waterproofed Pans for Efficient Shower Installations
The new HYDRO BAN Modular Pre-Sloped Shower Pan and HYDRO BAN Preformed Curbare compatible products engineered to significantly reduce shower installation time and complexity. The pans, available in seven common sizes with both center and off-center train options, feature a pre-applied waterproof coating and ship in a flat-packed, multi-piece format for flexible jobsite handling and field customization. They offer a more economical solution than the one-piece pan, allowing for additional design possibilities and less shipping and storage hassle. The new flat-edge curb is available in 24″, 48″, and 72″ lengths for enhanced compatibility and installation versatility.
“These are the only pre-waterproofed, modular, multi-piece shower pans available on the market today,” added Prevete. “They meet the growing demand for prefabricated shower pans that are easier to install, store, and ship, all while providing compatibility and warranty.”
The new modular pans and compatible flat-edge curbs offer a simplified alternative to custom pre-sloped units, offering an easier dry fit, and allowing contractors to adjust sizing on-site using built-in grid lines. These new products are fully compatible with the HYDRO BAN Shower System, allowing for cohesive, code-compliant installations.
System-Driven Simplicity, Proven Performance
The launch of both products represents the latest innovations from LATICRETE, the most trusted name in the industry. They echo the brand’s ongoing commitment to purpose-driven innovation, offering trusted waterproofing solutions that adapt to the needs of today’s jobsite. The HYDRO BAN line expansion in particular lets users select the premier solutions for a complete shower installation that align with their specific installation preferences.
All components comply with ANSI A118.10 standards and are fully compatible with the HYDRO BAN Shower System. When used together, these high-performance products also maintain the industry-leading LATICRETE system warranty, all while saving time and reducing labor.
For more information on the HYDRO BAN Shower System and its latest additions, visit www.laticrete.com/newproducts.
Contractors and Builders
Marcus Sheridan: The Pool Marketing Playbook That Changed Everything
When the financial crisis of 2008 threatened to strain River Pools, Marcus Sheridan made a decision that not only saved his business but also reshaped how an entire industry thinks about marketing. Today, Sheridan is recognized as one of the foremost voices in digital sales and marketing strategy, a sought-after keynote speaker, and the author of They Ask, You Answer—a book that has become required reading for business owners looking to thrive in the digital age.
Sheridan co-founded River Pools in 2001 with two partners, starting with modest ambitions and a broad focus that included above-ground pools, hot tubs, and a retail store. Things were steady, but when the recession hit, the future of the company looked bleak.
“It looked like we needed to file bankruptcy,” he recalled. “It was during this time though, that I really started to just learn more about the way the digital buyer was evolving.”
The Strategy That Changed Everything
Instead of retreating, Sheridan dove into inbound marketing, drawing from resources like HubSpot, and quickly realized the path forward was through answering every single question potential buyers had ever asked.
“We said, ‘We’re gonna become like the Wikipedia of fiberglass pools. If anybody has a question, good, bad, or ugly, we’re gonna address it. We’re gonna own it with text and with video. We’re just gonna go full send on this.’”
That approach transformed River Pools into the most visited swimming pool website in the world. One of the most impactful moments came when he addressed the question most pool companies avoided: pricing.
“This is literally the first question everybody wants to know,” he said. “We were the first pool company in the world to address how much an in-ground pool costs on our website.”
That one article, written in 45 minutes at his kitchen table, has generated over $35 million in revenue.
Why the Industry Still Resists
Even with proof in hand, many contractors still avoid talking about pricing. Sheridan says it comes down to three myths: every job is different, competitors will use it against them, and customers will be scared off by the cost.
“Just doing that [explaining cost variables] induces a ton of trust,” he said. “And if your competitors don’t already know your pricing, they’re asleep at the wheel.” But perhaps the most critical insight is this: “What we know scares people away is when they can’t find any information on pricing.”
Creating Tools for the Modern Buyer
Today’s buyer doesn’t want to speak to a salesperson until they’re ready. Sheridan calls them the “self-service buyer,” and he built PriceGuide.ai to address their expectations.
He shared a case study from AE Pools & Landscape, which added a pricing estimator to its website in early 2024. “Last year they got 400 leads for the entire year. This year, they’ve gotten 1,200 leads so far. They closed 300 sales and have $5 million in the pipeline.”
That $200 tool, he said, took the company from $3 million to a projected $10 million in one year.

Where AI Is Taking Us Next
Sheridan believes AI will soon be a standard part of how consumers shop for contractors. “Homeowners are going to tell their AI assistant, ‘We want a swimming pool. Research the local companies, give us estimates, and tell us who you’d choose and why.’”
And the contractors who don’t have price estimators? “You don’t get the recommendation.”
He’s confident in his prediction: “Within five years, 90% of all swimming pool companies will have a pricing estimator on their website. Mark my words.”
Missed Opportunities in Video
Asked about the most common marketing mistake contractors make, Sheridan didn’t hesitate: “Video, lack of. It’s not close.”
He believes YouTube may soon be more important than a company website. One-to-one video, project documentation, and consistent short-form content all help create trust.
“The first time the homeowner sees the salesperson’s face shouldn’t be when they walk up the driveway. Shame on you if that’s the case.”
He emphasized the need to document every job. “We’re one of the most visual products in the world. If you’re not taking video of every job—before and afters, showing the process—you’re missing the boat.”
Why You Should Talk About the Competition
Sheridan doesn’t shy away from comparison content, even if it means steering a prospect toward a different product or competitor.
“If somebody asks, ‘Are there other pool builders you’d recommend?’—am I gonna ignore it? No, because they’re not ignoring it.”
River Pools even built a quiz tool that sometimes recommends vinyl or concrete—though they only sell fiberglass. “Why would we do that? Because that’s what buyers want. And I generate way more leads because of it.”
Becoming a Trusted Brand
In Sheridan’s view, being known and trusted isn’t optional—it’s survival. “The most important thing you can do for long-term success is build a known and trusted brand in your market. If you’re not known, and if you’re not trusted, you will fail.”
He urges contractors to stop outsourcing everything and start participating directly in brand-building.
“Stop waiting for somebody else to build your brand. You gotta have a dog in the fight. You gotta be the one to hit record often.”
Looking back, Sheridan says the tactics he used in 2009 wouldn’t be enough today. Text-based blog posts and a few YouTube videos were groundbreaking then, but social media, short-form video, and AI tools are now essential.
“You can’t just answer your customer questions on your website and think that will be enough. It’s not. You’re gonna have to do more than that. If you wanna scale to big numbers, you’ve gotta think more like a media company.”
But even as the tools evolve, the philosophy stays the same: meet buyers where they are.
“Everything your buyer wants—those are the same things you want. You wanna watch video when you’re researching? Meet the consumer where they are. It doesn’t matter if you think you have a face for video or not. You’re still gonna ask them for money, so you better hope they trust you.”
For Sheridan, the future belongs to pool companies that embrace that mindset. “You’re not just a construction company. You’re a sales and marketing company. If you’re not known and trusted, you won’t last. But if you lean into what your buyers really want, you’ll be amazed at how much your business can grow.”
Ready to take a deeper dive?
Listen to our entire conversation with Marcus Sheridan on the Pool Magazine Podcast.
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