above.. below ground makes no difference for us.
An adult always needs to be near, Accidents happen...and kids panic, even adults do
All it takes is a simple fall and a hit head.... can be tragic so quickly...
Or a funny Jump (when no jumping is is allowed etc) Simply Not worth the risk....
So for our house rule was, adult is always present........
I was never allowed to swim alone or with my friends without an adult. My friends were even certified life guards. I am surprised that people allow their kids to swim alone. My kids aren't allowed to swim without an adult at the house. and they won't be.
There is safety in numbers
There have been so many already this year. 