Swimming Pools--Commercially Operated

What Does GL Code 48924 Cover?

ISO GL class code 48924 covers commercially operated swimming pools, classifying operations that involve the ownership, maintenance, or management of pools accessible to the public or for a fee. This includes the inherent risks associated with water-based recreational activities, facility upkeep, and supervision. The code specifically addresses the general liability exposures arising from these commercial pool operations.

Who Uses This Class Code?

Businesses that fall under this code include public swimming pools, hotel and motel pools, community association pools, water parks, fitness centers with pools, and private clubs offering swimming facilities. Operators of municipal pools, resort swimming areas, and apartment complex pools are also typically classified here.

Common GL Claims for This Class

Common claims for commercially operated swimming pools include slip-and-fall incidents on wet decks, drowning or near-drowning accidents due to inadequate supervision, and injuries sustained from diving board or slide malfunctions. Additionally, claims can arise from chemical imbalances in the water causing skin or eye irritation.

Coverage Tips for Code 48924

• Ensure your policy includes adequate limits for 'Products-Completed Operations' to cover claims arising after services are rendered, such as a faulty pool repair leading to injury.
• Verify that your general liability policy includes coverage for 'Care, Custody, or Control' if you manage pools owned by others, to protect against damage to the client's property.
• Implement strict lifeguard certification and training protocols, as inadequate supervision is a common claim trigger; ensure your insurer is aware of these practices.
• For any subcontractors performing maintenance or repairs, require them to carry their own GL insurance and name your business as an additional insured to prevent coverage gaps.