Henrichs Insurance Services, Inc.



30700 E 1700 North Rd
Saunemin, IL 61769



Stay Safe in Your Pool or Spa

A backyard swimming pool can provide hours of cool, refreshing fun with family and friends during the hot summer months. However, spas and swimming pools also pose a serious danger to people of any age, especially young children.

A 2017 study by the U.S. Consumer Product Safety Commission found that more than 350 children under age 15 drown in pools and spas annually, and another 5,900 sustain nonfatal pool- and spa-related injuries that require emergency treatment. About 75% of these deaths and injuries involve children younger than age 5.1 In fact, drowning is the leading cause of accidental death for children ranging in age from 1 to 4, and the second leading cause of accidental death for children under age 14.2

All of these tragedies may be preventable. Share these safety tips with family, friends, neighbors, babysitters, and anyone else who may be supervising the pool or entering the pool area.


Safety Guidelines

  • Never leave a child unattended around a pool, spa, bathtub, or any body of water.
  • Have a phone available at all times when supervising or visiting a pool or spa.
  • If a child is missing, look in the pool or spa first, including neighbors’ pools or spas.
  • Install a 4-foot fence around the perimeter of the pool and spa, including portable pools. Use self-closing and self-latching gates. If your house serves as the fourth side of a fence around a pool, install and use a door or pool alarm.
  • Maintain pool and spa covers. Ensure that any pool or spa you use has safety-compliant drain covers. Commercial facilities are required by law to have such covers, but you should apply the same standards to your own pool. For more information, see poolsafely.gov.
  • Have lifesaving equipment such as life rings, floats, and a reaching pole available and easily accessible.
  • Remove glass bottles, toys, and other potential hazards from the pool area and don’t allow running or roughhousing on or near wet, slippery surfaces. Make sure that devices with electrical cords are kept well away from the water.
  • Be aware of other electrical hazards around pools, hot tubs, and spas, such as faulty underwater lighting; aging electrical wiring that hasn’t been inspected regularly; and the use of sump pumps, power washers, and vacuums that aren’t grounded. Lighting, circuits, and nearby receptacles should be protected by Ground-Fault Circuit-Interrupters (GFCIs), which offer the best safety device to prevent electrocution.
  • Limit alcohol use. Drinking alcohol not only can cause accidents for the person drinking but could lead to poor judgment and a lack of attention when supervising children.

Safe Handling of Pool Chemicals

Preventable injuries from pool chemicals led to nearly 4,900 emergency room visits in 2012 (most recent data). The most common cause of injury was poisoning from ingesting chemicals or inhaling fumes. Other common injuries included skin and eye irritations and chemical burns. A little more than half of these injuries were incurred by adults and the rest by children under 18.3

Here are some guidelines for handling and using pool chemicals safely.

  • Secure pool chemicals in their original containers and in an appropriate location. Don’t leave chemicals out where children (or pets) have access to them.
  • Open and handle chemicals in a well-ventilated area. Wear appropriate safety equipment, such as goggles or a mask, as directed by the label.
  • Add pool chemicals as directed by the product label. Never mix different chemicals, especially chlorine with acid. Pre-dissolve chemicals only when directed by the label. Add pool chemicals to water but never add water to pool chemicals.
  • Wait until pool chemicals are dissolved and/or dissipated before entering the pool.

Insurance Basics

Be sure to notify your insurance company that you have a pool and discuss appropriate coverage with your insurance professional.

In legal terms, pools are an “attractive nuisance,” and the additional risk may call for greater liability protection.4 If you own a pool, consider increasing your homeowners policy liability limits to $300,000 or $500,000. You might also purchase an umbrella liability policy that could provide extra protection for a wider range of risks.

In addition to liability coverage, you should have enough homeowners coverage to help repair or replace your pool if it is damaged in a severe storm or other type of disaster. Coverage for earthquake damage requires a separate policy.

Take the Pledge

The U.S. Consumer Product Safety Commission (CPSC) promotes Pool Safely Pledges for children and adults as part of its Pool Safely campaign. These pledges summarize many of the safety tips stated above. If you’d like to take these pledges “officially,” you can do so at poolsafely.gov. The site includes more information on how to keep children safe around a pool.

CPSC Pool Safely Pledges

Kid Pledge

I pledge that I will:

  • Pool Safely in 2017.
  • Never swim alone.
  • Ask my parents to sign me up for swimming lessons.
  • Stay away from drains in the pool or hot tub.
  • Have fun and always follow these safety steps when I’m in and around the water.

Adult Pledge

I pledge that I will:

  • Designate a water watcher every single time children in my care are in or near the water.
  • Make sure my kids know how to swim.
  • As a parent or guardian, learn CPR.
  • Always cover portable pools.
  • Ensure that all permanent pools have a proper fence and gate and safe drain covers.