In MN-a wading pool needs signed permissions-I'm not sure about filtered pools, altho my home insurance said NO-they would not cover me if I had a filtered pool-everyone is different-ask the provider for proof of insurance-and call your local daycare department and find OUT-pretty sure it's the law in MN as well-to have a cover on it and no ladder in it-we had a death of a little girl (not daycare-) and I think this just passed into a law-

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