Going hand in hand with a previous post regarding pool safety during Memorial Day weekend, we’re now going to do a follow-up for other potential liabilities your HOA might face. Running on the pool deck and inexperienced young swimmers post obvious risks, but what about rowdy adults and alcohol? As we explore the common liabilities your association will face, ensure you are protected with a customized LA HOA Insurance program.
According to the Daily Herald, the easiest way to dramatically reduce exposure is to ban any form of alcohol from within 50 feet of the pool area or other fenced-in pool area. There are certainly extenuating circumstances such as association sponsored social events, however, what is good enough for driving a motor vehicle should also be applied to pools.
Drunk and disorderly people.
The holidays are known for bringing people together to have a great time. However, mix plenty of alcohol with sun-laden individuals, and it’s a recipe for disaster. Ensure that if you employ lifeguards, they are physically capable of handling patrons of all sizes. Next, create a rule that drunk or disorderly people will be removed from the pool premises.
Choosing whether your association wants to employ lifeguards is up to you, but be sure to lay out rules and regulations for their scope of work. Lifeguards are often associated with babysitters, especially when underage children are at the pool unsupervised.
Another though to consider: an association should post a sign such as “No lifeguard on duty – Swim at your own risk.” Certainly a board of directors should check with their insurance company, but if someone should drown in an association pool, is the association going to have any more or less liability with or without a lifeguard? If an association employs its own lifeguards, they must be certified, explains the article.
Be sure your pool does not become a sort of daycare center for frustrated parents to let their kids get their energy out. Create age limits for using the pool.
The pool comes with obvious risks, which should be assumed by those who use it, not the lifeguard or the association. Be sure to lay out regulations to minimize risk and liability simultaneously.
About Scott Litman Insurance Agency
At Scott Litman Insurance Agency, we are dedicated to protecting HOAs like yours. We have a unique understanding of the industry and the common risk exposures that you face in your daily operations. In fact, we find that 90% of the policies we review are missing coverages that violate the Covenants, Conditions, and Restrictions (CC&R), exposing the board, HOA and management to lawsuits – which is why our comprehensive policies are tailored to meet your specific needs at competitive prices. For more information about our products, contact our experts today at (818) 879-5980 ext. 201, or fill out our online form.