It's hard to say that an insurance company won't insure you or licensing won't let you have one etc. Each company is different and each state is different.

I don't understand saying that you shouldn't have a pool. I mean, this is our home first, daycare second. If my kids want a pool or if I want one, we'll have one. We had an above the ground one at our last house and will be getting one here too. The daycare kids never used it. In our township, it has to be 4 foot high with a locked ladder. I did not have to have a fence if it met this requirement and I did not have to have a separate fenced play area either. Call an insurance company and look in your rule book for the rules on pools.

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