Strong industry experience that keeps you out of the deep end.
Employee-owned and customer inspired, we make caring for your business our business.
That’s why we get to know you by name, need and nuance. That’s why we keep up with advances in spa and pool technology, regulation changes and your own business needs. And that’s why we begin with listening and end with customized solutions.
We understand the power of being more individual and less institutional.
No matter your specialty, we’ll work hard to understand your priorities so we can get you covered on day one and provide year-round value with Day Two Services®. By committing to transparency while demonstrating authenticity, we’re a place that leads with values so value leads.
To learn more about how our values-based approach creates value for you and your business, click here.
Or visit our Insights page to learn more about pool and spa risk management.
Our seasoned pool and spa insurance professionals start with listening and end with customized solutions.
We put our creativity to work for you to deliver a holistic risk management plan built for you.
That means our work doesn’t stop after we secure your coverage.
We deliver year-round value with our Day Two Services® that support your risk management efforts throughout the term of your insurance policy. We help you prevent and minimize loss—not just cover it.
As the Vice President for Central Texas PHTA, I am approached for recommendations of all types. When insurance is the topic, without hesitation the ladies at Higginbotham in Ennis is the name I speak. They have supported PHTA with countless hours of service to us and to our industry. Jeannette Blanton found a way to cover our members 20 years ago when no insurance company in Texas would insure us. They have made it their goal to be experts in protecting pool industry businesses and our community. Their 20 year good reputation serving our members speaks for itself. They are true champions of the pool industry and they insure my business.
If you’re interested in learning more about the coverage options that make sense for your operation, these insights will help guide you.
While each coverage package we build considers your location, operation and unique risk exposure, these are some of our more popular pool and spa coverages.
While many swimming pool contractor policies don’t include worker’ compensation, life or disability insurance, these are all important coverages to consider. Capable of helping alleviate the costs of medical bills, wage replacement and legal expenses in the aftermath of an employee injury on the job, workers’ comp can save your business when things go wrong.
Widely considered one of the most essential coverages for a business to carry, general liability insurance can help with the costs of a third-party injury or property damage sustained as a result of your business operation. This coverage can pay legal fees, settlements and more.
If you own or operate vehicles for business use, you likely need commercial auto insurance. The standard auto insurance you carry on our personal vehicles doesn’t extend coverage for commercial use. With that in mind, commercial auto coverage can help protect your business from financial ruin should you or an employee have an accident.
The equipment pool contractors need to work isn’t cheap. That considered, contractors’ equipment insurance is a wise investment for professionals working in the pool and spa industry. This coverage can help with the cost of repairing or replacing your tools and equipment if they end up lost, damaged, stolen or destroyed.
In some cases, contractors’ equipment coverage can also help pay for cleanup and the cost of getting a project back on schedule after a covered loss.
If you own land or a building for your business, you should strongly consider carrying commercial property insurance. This coverage can help with the cost of repairing or rebuilding your commercial buildings and the assets they protect after a fire, theft, vandalism, storm or other peril.
Unique to the spa and pool industry, swimming pool pop up coverage is an endorsement for builders and sales professionals that can help cover the costs of repairing damage to a client’s swimming pool caused by a high water table.
Working as a pool or spa contractor involves considerable risk of accidental pollution. Job site pollution insurance can help with the costs of cleaning and containing a chemical spill or other polluting event that occurs on the job site.
Sold as an endorsement on a “per project” basis, this insurance extends up to $2 million of coverage for claims resulting from any specific project. Per project aggregate coverage functions like a specialized umbrella coverage designed for the risks of working as a contractor, giving pool and spa professionals the peace of mind of knowing they’re less likely to end up out-of-pocket for a covered incident.
More often than not, general contractors on a commercial project will require all subcontractors to list them as an additional insured on their insurance policy. A blanket additional insured endorsement can help streamline the compliance process by automatically extending coverage to any party to which the named insured is contractually required to provide coverage.
Safety is paramount to pool businesses—lives and reputations are at stake. We help you create a culture of safety that keeps your head above water by:
If you feel like you’re drowning, contact our pool coverage specialists.
Jeannette Blanton, managing director in our Ennis office, began her career in the insurance carrier landscape as a commercial coverage agent in 1987 with Nationwide Insurance Company. Before joining Higginbotham, she also worked for a large insurance agency in Dallas, Texas, where she was a commercial account manager.
Experience in all levels of client servicing has given Jeannette insight to clients’ varied risk management and coverage needs. In 2001, she created an insurance program designed for the pool industry. The pool program was immediately recognized and endorsed by The Pool and Hot Tub Alliance (formerly APSP and NSPI) and is still endorsed to this day, insuring over 250 pool related businesses across the U.S.
Jeannette is certified in insuring construction risks and holds a Certified Insurance Counselor (CIC) designation.