Your association has no payroll, so why carry workers' compensation? Because volunteers get hurt, contractors let coverage lapse, and the association is the one left holding the medical bills. What it costs, how it is written, and what managers require.
A serious injury at the pool or on an icy walkway can produce a claim larger than the general liability limit. An umbrella adds millions of protection above it for a fraction of the cost. How it works, how much to carry, and where the gaps hide.
Association funds pass through many hands: a treasurer, a manager, a bookkeeper, a bank. Crime and fidelity coverage replaces the money when one of them takes it. How the lender's formula sets the limit, and the controls carriers reward.
Board members are volunteers making decisions that affect their neighbors' money and homes. D&O coverage is what stands between a disagreement and a personal lawsuit. What it covers, how the limit is set, and where boards get surprised.
The property section of the master policy is the biggest number on the page. What it covers, what your governing documents decide, how the value is set, and the deductibles that surprise boards.
A printable walk-through checklist for HOA boards and property managers: walkways, water damage, pool area, common areas and the records that protect the association if a claim is ever filed.
Cracked sidewalks, refrozen meltwater and loose handrails are the most common source of HOA liability claims in Minnesota. What to look for, why to act now, and what your snow contract should say.
Poor lighting is a common thread in premises claims and break-ins. Where associations need light most, a five-point lighting checklist, and the fifteen-minute habit that catches most problems.
A community pool is one of the most popular amenities an association can offer and one of the most serious exposures on its policy. The rules to post, the barriers that matter, and what to tell your agent before the season opens.
A handy board member or the cheapest bid can look like savings. If the work fails or someone is hurt, the association holds the bill. What a license means, what insurance means, and the four things to collect before signing.
