I called Travelers back today & asked them if a fence around the rim of the pool would be acceptable. The agent asked the underwriter and he said that was fence was not necessary as long as the sidewalls were at least 48" high and I had a locking gate on the ladder entry. I asked them to put this in writing to me but they said they could not do that! They told me to submit a picture of the ladder and that would be sufficient. Talk about confusing!