Are there any legal requirements for swimming pool operators to have insurance?

Yes, swimming pool operators in New York are legally required to have insurance. New York State recognizes two main types of pool operators: public and private. Public pool operators, such as schools, municipalities, and other government entities, must have liability insurance in the amount of $1 million per occurrence and $3 million in the aggregate. Private pool operators, on the other hand, are not legally required to have insurance, but it is strongly recommended. If a private pool operator chooses to have insurance, the minimum level of coverage usually requires general liability coverage of $1 million per occurrence and $2 million in the aggregate. In addition to liability coverage, public pool operators must have medical payments coverage for up to $5,000 per accident or illness. This coverage is designed to pay for medical expenses related to an accident or illness that occurs at the pool. Private pool operators are also encouraged to have medical payments coverage, but it is not legally required by the state. Swimming pool operators must also comply with other safety-related requirements in order to maintain their insurance coverage. This may include having lifeguards on duty, regularly testing water quality, and providing safety equipment such as fencing and pool covers. By following these regulations, operators can minimize the risk of accidents and ensure that they have the necessary coverage in place if something does go wrong.

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