Swimming pool accidents fall under the legal theory of premises liability. Property owners and operators must maintain their pool and the surrounding area safely. Under Florida law, this includes homeowners who have pools on their property, business owners, and government agencies that operate public swimming pools. The responsible party or parties may be anyone who failed to take proper safety measures to prevent accidents from occurring. Some examples of liable parties may be the property owner, the pool caretaker, the equipment installer, the pool manufacturer, or the lifeguard on duty. Multiple parties may be at fault, and their insurance companies may try to deny or minimize payments for claims.