Before Taking a Dip In The Swimming Pool, Consider the Insurance and Safety Implications

A Few Precautions Can Help Prevent Accidental Injury or Drowning and Protect You Financially, Says the I.I.I.

With temperatures soaring throughout the country, many people will be taking advantage of the heat-beating enjoyment of a swimming pool. Whether you have a luxury in-ground pool or plan to blow up an inflatable kiddie pool, it is important to consider the insurance and safety implications, according to the Insurance Information Institute (I.I.I).

Swimming pools are more popular than ever before. An estimated 8.8 million swimming pools are in residential or public use in the United States today, according to the Centers for Disease Control and Prevention (CDC).

“Pools offer a great way to keep cool in this heat and humidity, but they can also be dangerous,” said Jeanne M. Salvatore, senior vice president and consumer spokesperson for the I.I.I. “A child can drown in a few inches of water in less than 30 seconds.”

Indeed, there are over 3,400 fatal accidental drownings in the U.S. annually, with children ages one to four having the highest drowning rates. Fatal drowning remains the second-leading cause of unintentional injury related death for children ages one to 14 years old, according to the CDC. In addition, for every child who dies from drowning another four children will be treated for “nonfatal submersion injuries” which can cause brain damage that may result in long-term disabilities including memory problems, learning disabilities and permanent loss of basic functioning (e.g. permanent vegetative state).

The I.I.I. suggests taking the following steps if you own or are considering purchasing a swimming pool:

• Call your insurance agent or company representative
  Let your insurance company know that you have a pool or are getting a pool, since it will increase your liability risk. Pools are considered an “attractive nuisance” and it may be advisable to purchase additional liability insurance. Most homeowners policies include a minimum of $100,000 worth of liability protection. Pool owners, however, may want to consider increasing the amount to at least $300,000 or $500,000. You can also talk to your insurance agent or company representative about purchasing an umbrella liability policy. For an additional premium of about $200 to $300 a year, you can get $1 million of liability protection over and above what you have on your home.
  
  “You can be sued if someone drowns or is injured in your pool even if they do not have your permission to be there,” Salvatore warned. “So it’s important to have the proper locks and safety equipment and to have appropriate liability insurance.”
  
  If the pool itself is expensive, you should also have enough insurance protection to replace it in the event it is destroyed by a storm or other disaster. And, don’t forget to include any chairs, tables or other furniture around the pool deck.
• Contact your town or municipality
  Each town will have its own definition of what constitutes a “pool”, often based on its size and the depth of the water. If the pool you are planning to buy meets the definition, then you must comply with local safety standards and building and electrical codes. This may include installing a fence of a certain size, locks, decks and pool safety equipment.

The I.I.I. also recommends taking the following safety precautions:

1. Install a four-sided barrier such as a fence with self-closing gates to completely surround the pool. If the house forms the fourth side of the barrier, install alarms on doors leading to the pool area to prevent children from wandering into the pool or spa unsupervised. In addition to the fences or other barriers required by many towns, consider creating several “layers of protection” around the pool, in other words setting up as many barriers (door alarms, locks and alarmed safety covers) as possible to the pool area.
2. Never leave small children unsupervised—even for a few seconds. And never leave toys or floats in the pool when it is not in use as they may prove to be a deadly temptation for toddlers trying to reach them who might then fall into the pool.
3. Keep children away from pool filters and other mechanical devices as the suction force may injure them or prevent them from surfacing. In case of an emergency, know how to shut off these devices and clearly post this information so others can do so too.
4. Ask if pool users know how to swim. Learners should be accompanied by a good swimmer. If you have children, have them take swimming lessons as early as possible. And, do not allow anyone to swim alone.
5. Check the pool area regularly for glass bottles, toys or other potential accident hazards. Also, keep CD players, radios and other electrical devices away from pools or nearby wet surfaces.
6. Limit alcohol use around the pool, as drinking alcoholic beverages negatively impacts balance, coordination and judgment—and its effects are further heightened by sun exposure and heat. The CDC reports that alcohol use is involved in up to half of adolescent and adult deaths associated with water recreation.
7. Clearly post emergency numbers on the phone, in the event of an accident. Keep a first aid kit, ring buoys and reaching poles near the pool. You may also want to consider learning basic water rescue skills, including first aid and CPR training. For additional information, contact the American Red Cross.

The U.S. Consumer Product Safety Commission has launched Pool Safely, a pool safety campaign that can also be found on Twitter: @poolsafely.

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