A backyard pool is a blessing when you want to beat the summer heat and relax with your friends and family. However, you must be aware of the responsibilities that come with owning a backyard pool.
In Ohio, homeowners with backyard pools are liable for injuries that occur on their property. In addition, they may be held responsible for injuries to a person trespassing or a child if they get hurt on their property.
If you want to mitigate your liability, it is essential to take steps to protect the general public and guests from injuries. Pool owners must be aware of the state, city, and country requirements concerning pool safety. The Consumer Product Safety Commission has put a list of simple steps that can save lives.
We have categorized safety measures into four crucial points. These include:
Homeowners insurance must cover pool-related injuries. Apart from that you should add extra coverage. You can talk to your insurance provider about adding an umbrella policy that provides liability coverage above and over your policy. Insurance cost changes policy to policy, yet it generally costs about $150 to $350 per year. You can also buy a $1 million personal umbrella liability policy.
An umbrella policy can help protect your assets from an unfavorable lawsuit that arises from property damage or personal injury caused by you, members of your family, or hazards on your property for which you are legally liable. Exclusions may apply, so consult an experienced insurance agent and read the policies carefully that will help you to ensure appropriate coverage.