Swimming Pools--Installation, Servicing or Repair--Below Ground
Contractors who install, service, or repair in-ground swimming pools.
System
ISO
Code
99507
Basis
gross receipts
State
Florida
What Does GL Code 99507 Cover?
ISO GL class code 99507 covers swimming pools--installation, servicing or repair--below ground. This code is used by insurance carriers to classify and rate commercial general liability policies for this type of business operation. The basis of premium is gross receipts, meaning your policy premium is calculated based on your gross receipts.
Who Uses This Class Code?
Common GL Claims for This Class
Coverage Tips for Code 99507
GL Code 99507 by State
Florida — Primary Market
Pool contractors in Florida require a specialty contractor license from DBPR.
Coverage in Other States
Texas
Texas regulates contractor licensing through the Texas Department of Licensing and Regulation (TDLR) and various municipal licensing boards. While Texas does not have a single statewide contractor licensing requirement comparable to Florida's DBPR, many trades — including electricians, plumbers, HVAC technicians, and elevator contractors — require state licensure and must carry GL insurance. Texas cities such as Houston, Dallas, and Austin have their own contractor registration requirements that mandate proof of GL coverage.
Texas is one of the largest GL markets in the United States. The state's construction sector, driven by population growth in the Dallas-Fort Worth Metroplex, Houston, Austin, and San Antonio, creates strong demand for contractor GL. Texas's legal environment is generally considered more business-friendly than Florida's, with lower average GL premiums for comparable risks. The Texas Windstorm Insurance Association (TWIA) handles windstorm coverage separately — GL policies in coastal Texas typically exclude windstorm-related property damage.
Georgia
Georgia regulates contractor licensing through the Secretary of State's Professional Licensing Boards Division. General contractors, electrical, plumbing, HVAC, and low-voltage contractors must be licensed by the state and are required to carry general liability insurance. Georgia's construction market is heavily concentrated in the Atlanta metropolitan area, which accounts for the majority of the state's commercial and residential construction activity.
Georgia's GL market is competitive, with strong admitted carrier participation for most contractor classes. Atlanta's rapid growth has driven demand for contractor GL across all trades. Georgia follows a modified comparative fault standard, which means a plaintiff who is 50% or more at fault cannot recover damages — a favorable environment for GL defendants compared to pure comparative fault states.
North Carolina
North Carolina requires general contractors to be licensed by the North Carolina Licensing Board for General Contractors (NCLBGC) and to carry general liability insurance as a condition of licensure. Specialty trades including electrical, plumbing, HVAC, and fire sprinkler contractors are licensed by separate boards and also require GL coverage. North Carolina follows a contributory negligence standard — one of only a handful of states that still uses this rule — which means a plaintiff who is even 1% at fault cannot recover damages. This makes NC a favorable GL environment for defendants.
North Carolina's construction market is driven by population growth in the Charlotte and Raleigh-Durham metropolitan areas. The Research Triangle (Raleigh-Durham-Chapel Hill) has seen significant commercial and industrial construction activity. North Carolina's contributory negligence rule keeps GL premiums relatively low compared to pure comparative fault states. Admitted carriers are widely available for most contractor and business classes.
South Carolina
South Carolina requires general contractors and many specialty trades to be licensed by the South Carolina Contractor's Licensing Board (CLB) and to carry general liability insurance. South Carolina follows a modified comparative fault standard with a 51% bar — plaintiffs who are more than 50% at fault cannot recover. The state's construction market is growing rapidly, driven by manufacturing investment (BMW, Volvo, Boeing) and residential development in the Charleston and Greenville-Spartanburg areas.
South Carolina's GL market is competitive for most contractor classes. Charleston's coastal location creates additional exposure for wind and water damage, which can complicate GL underwriting for contractors working on coastal properties. The Greenville-Spartanburg market has seen significant industrial and manufacturing construction, creating demand for contractor GL with higher limits.
Illinois
Illinois regulates contractor licensing through the Illinois Department of Financial and Professional Regulation (IDFPR) and various municipal licensing boards. Chicago has its own comprehensive contractor licensing system that requires proof of GL insurance. Illinois follows a modified comparative fault standard with a 51% bar. Cook County (Chicago) is one of the most litigious jurisdictions in the country, with above-average GL claim frequency and severity — carriers often apply higher rates for Chicago-area risks.
Illinois's GL market is dominated by the Chicago metropolitan area, which is one of the largest construction markets in the Midwest. Cook County's litigation environment drives higher GL premiums for Chicago-area businesses compared to downstate Illinois. Illinois has a strong union construction sector, and many union contractors carry higher GL limits as a condition of their labor agreements.
Michigan
Michigan regulates contractor licensing through the Department of Licensing and Regulatory Affairs (LARA). Residential builders, maintenance and alteration contractors, and mechanical contractors must be licensed and carry GL insurance. Michigan follows a modified comparative fault standard with a 51% bar. The state's construction market is concentrated in the Detroit metropolitan area, Grand Rapids, and Lansing.
Michigan's GL market is competitive for most contractor classes. The Detroit area's automotive industry creates significant demand for industrial and manufacturing facility GL coverage. Michigan's construction market has been growing with investments in EV battery manufacturing and semiconductor facilities. Grand Rapids has emerged as a strong secondary market for commercial construction.
California
California requires contractors to be licensed by the Contractors State License Board (CSLB) and to carry general liability insurance as a condition of licensure. California follows a pure comparative fault standard — plaintiffs can recover damages even if they are 99% at fault, with their award reduced proportionally. This makes California one of the most plaintiff-friendly GL environments in the country, and GL premiums in California are among the highest nationally for comparable risks.
California is the largest GL market in the United States. The state's construction sector, driven by housing demand in Los Angeles, San Francisco Bay Area, and San Diego, creates enormous demand for contractor GL. California's pure comparative fault rule, PAGA (Private Attorneys General Act) exposure, and active plaintiffs' bar result in above-average GL claim frequency and severity. Many carriers apply California-specific surcharges or restrict coverage for certain high-hazard classes.
Basis of Premium: Gross receipts
GL policies rated on gross receipts use your total annual revenue as the exposure base. Your carrier will apply a rate per $1,000 of gross receipts to calculate your premium. At policy expiration, your carrier will audit your actual receipts and adjust the final premium.
Get a GL Quote
We work with multiple admitted carriers to find the best GL rate for code 99507.
Get a QuoteCall (239) 475-0361Code Details
- Code
- 99507
- System
- ISO
- Category
- Contractors & Trades
- Basis
- gross receipts
- FWC Eligible
- Check with agent
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