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Ah, summer. Time for barbeques, picnics, and fun by the pool—unless you work in insurance, where the mere mention of an insured with a swimming pool sends underwriters running for cover.

For an underwriter, summer is an attractive nuisance nightmare. People are outside, and that means swimming pools, swing sets, and the ever-dreaded trampoline. Even the American Academy of Pediatrics has come out against trampolines as dangerous objects both at home and in playgrounds, and many carriers will not write a dwelling that has one, even if it has the side netting.

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