clock May 14, 2013 comments No Comments flowchart Homeowners InsuranceOur Blog tag ChildrenLiabilitySafetyWeather

Each summer, swimming accidents occur. Yes, swimming on a hot day in the summer is refreshing, but without the proper safety precautions, homeowners may be held liable for an accident by the pool. Little ones are particularly at great risk, especially with drowning being the second leading cause of death among children.

With summer right around the corner, our agency would like to touch on this subject. If you are a pool owner, you know that you have a great deal of responsibility. Not only is it your duty to keep the pool clean, but you have a legal duty to make sure it is SAFELY maintained. If not, you could be held liable!

There are three different types of liability when it comes to swimming pools, depending on your relationship to the swimmer. Let’s go over the three…

#1: The invitee. This is the person who you invite over for a swim. He or she may be a relative or friend. If this is the case, you must keep this person aware of any dangers that you know of to keep them safe.

#2: The licensee. This type of person is one who is allowed to enter the pool area for business reasons (for example, you are the owner of a public pool.) If this is the case, you are REQUIRED to warn the person of dangers or hidden dangers in the pool area.

#3: The trespasser. This is the person who DOES NOT have permission to be on your property or in the pool area. If this is the case, you are NOT generally responsible for the safety of trespassers – especially if there is a gate around your property!

Whatever your relationship is to the swimmer, this type of accident should be avoided at all costs. Be sure to practice safe swimming at your place this summer. This way, you will enjoy those early morning, midday, and late night swims!