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Lawyer here. Yes, I do think a lifeguard is worth having. But you are correct to note that the HOA assumes some liability when you hire a lifeguard. By hiring a lifeguard, the HOA is basically saying, “Hey, we’re responsible for the protection of people’s lives in the pool area.” And if something were to happen, knock on wood, then your HOA might be on the hook for it because you opted to have a lifeguard — literally someone who guards lives — on duty in the first place. I would advise your HOA to purchase additional liability insurance to cover all your bases if you do end up hiring a lifeguard.