Q: Our condominium association has a swimming pool and every year we hire lifeguards for the pool season even though there is no ordinance that requires the association to have lifeguards. This year the board is contemplating the need for lifeguards. If the association does not hire lifeguards: Will it impact our insurance costs or our ability to obtain insurance? Will it increase our liability? Are there steps that should be taken by the association to further protect the association?    Read more…….