Tag: umbrella

New subdivisions in Green, Ohio keep popping up on Massillon Road and East Turkeyfoot Lake Road all the time. And in the summertime, a pool is one of the best parts of summer. But it’s also one of the biggest risks if you’re a property owner. It’s one of the main reasons homeowners in Green should consider an umbrella insurance policy.

The City of Green, OH Requires a Specific Permit for Your Pool

A pool sitting at ground level and holding a foot and a half of water or more requires a fence or wall around it. That enclosure has to be at least four feet high. You’ll have to get a permit first.

Above-ground pools that are already standing 4 ft. tall don’t have to comply with this. But people still have to be kept out with a gate.

Kids Don’t See a Pool the Way You Do

Ohio sees children differently than it does adults. If a child happens to wander into your yard and gets hurt in your pool, you’ll usually be held responsible. Even though no one invited them over.

That’s because a four-year-old doesn’t see a gate and realize they’re trespassing if they enter it. They see water and they want to play. It doesn’t matter if the gate was latched or they climb over it.

How Umbrella Insurance Can Help Homeowners with Pools

It actually doesn’t stop with children. If one of your neighbors climbs the fence to get the kid out of the pool and the neighbor gets hurt, Ohio law lets them come after you too. One extremely bad afternoon can end up with two people who are injured.

You have some liability protection with your homeowners insurance. But umbrella insurance layers on top of that. At Ken Boldt Insurance Agency II Inc., we go over this with pool owners.

Take a Look at Your Pool Coverage This Summer

A four-foot fence will keep the city happy and may keep your own kids safer. But it won’t be very helpful if another person’s child gets hurt in your pool.

Get in touch with an agent at Ken Boldt Insurance Agency II Inc. to learn more about your options for umbrella insurance in OH before you pull the cover off your pool next summer.

Your umbrella insurance coverage can help if you’re ever faced with a lawsuit. Review some scenarios where your umbrella coverage will be useful to you as a business owner.

Lengthy Legal Battles

A lengthy legal battle could put a financial strain on business operations. Being involved in a lawsuit requires proper legal counsel. If you cannot easily front the money to defend yourself in a lawsuit, having umbrella insurance could be beneficial.

Umbrella insurance is designed to provide protection during legal proceedings. An umbrella insurance policy provides extra coverage that your standard business insurance policy doesn’t. Once you have met your limit through your commercial policy, the coverage that the umbrella insurance provides will be activated.

Protection for Legal Responsibilities

You may be ordered to pay legal fees at the end of a court case. An umbrella insurance policy may provide protection that will keep out-of-pocket costs down.

Once you have exhausted the coverage your standard commercial insurance policy provides, the coverage from an umbrella insurance policy will come into play. And you’lll avoid being responsible for paying out large sums of money.

Insurance Consultation with A Qualified Agent

Would you like to find out more about umbrella insurance coverage and the types of situations it could be used for? Schedule a one-on-one meeting with one of our agents serving Green, OH.

A Ken Boldt Insurance Agency II Inc. agent will review your business plan and determine if umbrella insurance is a good fit for you.