Swimming Pool Contractor Workers' Comp Rates (NAICS 238990)
Swimming Pool Contractor insurance rates
What swimming pool contractor businesses pay for Workers' Comp — filed loss costs summarized from public state-DOI filings across 13 state(s).
Swimming Pool Contractor businesses price Workers' Compensation off their NCCI class code, and the premium is driven by the filed loss cost each state regulator has approved for that work. This page summarizes what swimming pool contractor operations pay by state; for the full class-by-class filing detail, follow the class-code links below. Specialty trade contractor building in-ground and outdoor swimming pools and related structures.
See the full filed loss cost by state
Swimming Pool Contractor Workers' Comp is priced off NCCI class code:
What coverage a Swimming Pool Contractor business needs
Most swimming pool contractor operations carry Workers' Compensation — legally required in almost every state once you have employees — plus General Liability for third-party bodily-injury and property-damage claims, and, where vehicles or tools are involved, Commercial Auto and Tools & Equipment coverage. Workers' Comp is usually the largest single line for hands-on trades, because the class code reflects the injury risk of the actual work performed rather than the size of the business.
How the rate is set: your filed loss cost is only the regulator-approved baseline. Your actual premium is that loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier (which rewards a clean claims history), and your payroll divided by $100. Two swimming pool contractor businesses in the same state can pay very different rates once their experience modifier and carrier are applied to the same filed loss cost.
Beyond the filed loss costs above, the national economics of the commercial lines a swimming pool contractor operation buys shape what carriers ultimately charge. Across the U.S. in 2023, those lines posted (per the NAIC Report on Profitability by Line by State): Workers' Compensation at a 45.1% loss ratio; General Liability at a 60.2% loss ratio; Commercial Auto at a 74.4% loss ratio. Line-level profitability drives the loss-cost multipliers and rates a swimming pool contractor business sees — the market context behind the per-state filings summarized here.
Methodology
Filed loss costs summarized here are drawn from public state-DOI rate filings (via each state's SERFF portal), or public NCCI State Advisory Forum summaries, for the NCCI class code mapped to NAICS 238990. Loss costs are per $100 of payroll before the carrier's loss-cost multiplier; your actual rate depends on your carrier's LCM, experience modifier, and state. No proprietary NCCI manual content is reproduced. See our full sourcing policy for how filings are retrieved and verified.
Business activities classified under NAICS 238990 — All Other Specialty Trade Contractors
- Artificial turf installation
- Asphalt coating and sealing, residential and commercial parking lot and driveway
- Asphalting, residential and commercial driveway and parking area
- Billboard erection
- Blacktop work, residential and commercial driveway and parking area
- Boat lift installation
- Brick driveway contractors
- Brick paver (e.g., driveways, patios, sidewalks) installation
- Cable splicing (except electrical or fiber optic)
- Chain link fence installation
- Concrete patio construction
- Concrete paving, residential and commercial driveway and parking area
- Concrete sawing and drilling (except demolition)
- Construction elevator (i.e., temporary use during construction) erection and dismantling
- Crane rental with operator
- Culvert, concrete, residential and commercial paved area
- Curb and gutter construction, residential and commercial driveway and parking area, concrete
- Driveway paving or sealing
- Fence installation (except electronic containment fencing for pets)
- Fencing contractors (except electronic containment fencing for pets)
- Flagpole installation
- House moving (i.e., raising from one site, moving, and placing on a new foundation)
- Interlocking brick and block installation
- Mail box units, outdoor, multiple box-type, erection
Related
- NCCI class-code lookup — search every code we track
- Workers' Comp insurance cost — median rates + a calculator
- Rate-change tracker — recent filed changes by state
See your real Swimming Pool Contractor rate — free, 5 minutes
Compare Quotes →