Originally Posted by Unregistered:
A pool must be fenced off in such a way a child cannot get to it, and locked.
If I'm not mistaken, the play yard must be in it's seperate fencing, not adjoining the fenced pool area as well.
This is true. And the insurance will usually not cover it. It's considered "inherent vice" (aka....alluring to young children, therefore dangerous). It's not even limited to daycare kids, but neighbor kids etc. You would be held liable (and many, many insurances will NOT cover it under your homeowner's policy (liability) or your daycare liability insurance: see exclusions in your policy) for any incident that occurs in a pool.