Q: Our renters would like to get a pool for their fenced in back yard. We have liability insurance on the property but how
Do we limit our responsibility
A: Good question and I get this sort of question frequently from friends. First, although you have liability insurance, make sure your insurance company informs you, IN WRITING, that injuries related to the pool will be covered. The more information you send your insurer about the pool the better. You might even take a photograph of the pool your renters intend to install and send this to your insurer. Second, the reasonable thing for you to do is make sure the back yard is fenced with a locked gate. I would also research suggested rules for personal protective equipment that should be around any pool (floaties, thermometers, chlorine tests etc...) and provide these or ensure your renter will meet these standards. I would also make sure that installing a pool doesn't violate any city ordinances or HOA rules.
These should help you "limit" your exposure because there is never a certainty of avoiding litigation.
If you don't have an umbrella policy already, you might ask your agent whether this type of coverage would help. Usually $1,000,000 in umbrella coverage only costs a few hundred dollars a year.
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