Pool Area & Access
- Maintenance plan
- Cautionary signage posted
- Safety equipment in area
- Self-latching, self-closing gate
- Height of fence or gate
- Controlled access to pool or hot tub area
Swimming Pool Inspections
Pools and hot tubs can present significant liability exposures. TFS helps underwriters evaluate access, signage, safety equipment, maintenance, compliance, and operational controls.
Reduce Liability
Identify hazards and safety concerns that may lead to injuries or claims.
Ensure Compliance
Verify adherence to pool safety standards and applicable regulations.
Promote Safety
Evaluate equipment, signage, barriers, and controls that help protect swimmers.
Better Decisions
Clear inspection data to support smarter underwriting decisions.
What We Inspect
TFS evaluates all key areas of the pool environment and captures details that may impact liability, compliance, maintenance, and property risk.
Safety Equipment & Controls
- Clear display of depth markings
- Lifeguard on duty
- No lifeguard signage if applicable
- Swim-at-own-risk signage if applicable
- Life rings or rescue equipment
- Pool rules and emergency procedures
Maintenance & Condition
- Pool and hot tub condition
- Deck and surrounding area condition
- Slip, trip, and fall hazards
- Lighting and housekeeping
- VGBA compliance confirmation
- Virginia Graeme Baker Pool and Safety Spa Act compliance
Operational Exposure
- Diving board or slide
- Diving board or slide height confirmation
- Children’s pool or splash pad exposure
- Hot tubs or spas
- Prior incidents or losses
- Who has access to the pool area
Why It Matters for Underwriters
Identifies liability concerns
Pools are a common premises liability exposure, especially where children or guests are present.
Confirms safety controls
Barriers, signage, gates, and rescue equipment can significantly reduce accident risk.
Supports compliance review
Drain cover, VGBA, depth marking, and signage details may affect underwriting decisions.
Provides documentation
Detailed observations and photos give underwriters a clearer view of the pool exposure.
Protects policyholders
Better risk information helps insureds and carriers manage pool-related exposure more effectively.
Need help reviewing a swimming pool exposure?
Our team can help determine the right inspection approach.