" .... You would only be responsible for an injury if you were found to be negligent ...." is precisely the phrase that concerns me.... Walking inside to get a glass of water or being in the sun too long to adequately supervise... I think you can understand my concern. I may be a bit more jaded than most because I have seen two children close to drown (one attempted to save sister) and there were four lifeguards on duty at the time... granted the pool was a club and was overcrowded at the time... but the younger did suffer brain damage as a result.