IHG Risk Education Resources

Community Association D&O Risk

Good Intentions Are Not Enough – When you sell property coverage for condominiums, co-ops and homeowners' associations, do you ask these clients if their members have Directors' and Officers' (D&O) insurance covering their volunteer board members?

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Condominium Association Crime Coverage

FHA/HUD's new condominium certification regulations took effect late last year while FHA-backed loans soared in popularity.

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Defamation, emotions and D&O litigation

D&O litigation is often emotionally charged, but defamation cases may be the most volatile of all. Harm to one's reputation or integrity is often perceived as irreparable by the victim, resulting in lawsuits initiated on "principle." This type of claim will be no stranger to HOA's in the future.

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Help is just a phone call away with the Directors’ & Officers’ (D&O) Liability Claims Helpline

Exclusive risk management benefit now available to all Ian H. Graham/CNA D&O policyholders. The D&O Claims Helpline provides IHG policyholders with professional guidance from experienced claim professionals within the CNA Specialty Claim Unit.

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Not All Directors and Officers Liability Policies Are Created Equal

Do you sit on the board of your condo or coop?If you do, are you sure that you and your personal assets are adequately protected when the board of directors and the association are sued?

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Ruiz vs Harbor View Community Association

When this homeowner sues his Association for libel, the "Legal Privileges" defense doesn't hold water.

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Simple Steps To Help Avoid Common Non-Profit Community Association Directors' & Officers' Liability Claims

After more than two decades of experience in the Non-Profit Community Association industry, IHG has determined that most Directors' and Officers' (D&O) liability claims could be avoided by following a few simple, yet vital steps. Here are 7 simple guidelines to help you.

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The Corporate Transparency Act & Community Associations

The Corporate Transparency Act (“CTA”) went into effect January 1, 2024 intending to crack down on illegal activity by businesses, which includes community associations. Under the law, companies are required to disclose details on “beneficial owners,” defined as those who exercise substantial control over the reporting organization or who own at least 25% of the organization.

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The ABC's of D&O: Insuring Your Board's Decisions

"Volunteers are making decisions that often times involve large amounts of money that can impact every unit owner within the Association," IHG's Adam Collins says. He shares insights on how D&O coverage can help protect your Board member's assets in this August 2011 Cooperatorarticle.

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Preparing and Planning: A Little Care Can Go A Long Way

Together, inspections, preventive maintenance, and reserve studies help an association board identify maintenance needs and how to financially plan for the associated costs to keep the community safe.

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Top Ten Most Common D&O Insurance Claims

This article will help you to identify the most common claims; identify why these common claims occur; learn how to avoid these claims in the first instance; if a claim still occurs, and it will, learn how to informally resolve claims before they explode; and, learn how to maximize the resolution of a claim with hints from the insurer.

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Beyond HR

CNA/IHG D&O policyholders, have access to free Employment Practices training to mitigate employment related claims. Beyond HR, provides various training tools, checklists, and webinars for employers to use to mitigate discrimination, harassment, and wrongful termination claims.

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Foreclosure Risk Management For Homeowner Associations

There is no general rule of law regarding foreclosures. Requirements may vary by jurisdiction. Consideration of some simple due diligence practices may save Associations later headaches and lead to greater satisfaction of the debt without the need for conclusion of the foreclosure process.

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Community Manager Errors & Omissions Coverage

For reasons I will leave to property managers to discuss amongst themselves, there have been a number of myths regarding property manager exposure in the community association industry.

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The Employment Application

An employment application is an information-gathering tool that will assist you in your hiring decisions and should contain language that will reduce employment-related liability exposures.

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Why Associations Need D&O Insurance

Why is D&O insurance important? See these Foreclosures & Imposed Assessment Claim Scenarios.

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