“…especially with huge pools, umbrella liability insurance over and above your standard homeowners coverage is a must. Drownings, he says, can trigger court verdicts in excess of $1 million…”
Having a heart attack in a commercial pool is no exception when it comes to swimming pool liability. Goldenfarb says he just won a case in Orlando in which a drowning victim had a heart attack. Problem: The hotel pool lacked a defibrillator.
Hospital admission charges for Florida non-fatal drowning hospitalizations in 2008 tallied $16 million, according to the Florida Health Department. Commercial insurance paid just 34 percent of that.
■ Limit alcoholic beverages around the pool. The Centers for Disease Control says alcohol use is involved in up to half of adolescent and adult deaths associated with water recreation.
■ Be sure life saving devices are nearby and in good condition.
■ Never rely exclusively on flotation devices or posted warning signs. They won’t deter lawyers.
■ Keep children away from pool filters and other mechanical devices that may injure them. In case of emergency, know how to shut off these devices and clearly post the information.