Risk Education

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.

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.

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.

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

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. This article offers strategies, considerations, and a case study on defamation suits.

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

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? It's important to get answers to this question; not only for them, but for your own protection as the insurance agent.

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.

From the True Claims Fil​es
Read about some of the most common types of D&O claims submitted to IHG Insurance.

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?

Smooth Criminals
This Florida Community Association Journal article, authored by IHG's Tifinni Tegan, highlights Community Association Board Members' need for Crime Coverage within their policy. Tegan highlights a classic claim scenario and gives tips on how to make sure community associations are protected from smooth criminals! 

Condominium Association Crime Coverage
FHA/HUD's new condominium certification regulations took effect late last year while FHA-backed loans soared in popularity. Although there are several criteria for becoming FHA-certified, as the insurance advisor to this market, you can assist your condominium association clients by ensuring that they carry the required amount of Crime Insurance.

Social Engineering
Provide social engineering training to employees and board members to reduce the likelihood they will fall prey to social engineering schemes. Learn how to recognize some of the common signs of social engineering attacks.

​Embezzlement
Together with our partner CNA, we’ve put together an insightful crime claims scenario and risk control tips exploring embezzlement and the importance of conducting due diligence to prevent third-party scams.

Dues, Assessments, and Foreclosures During the Pandemic and Beyond
The COVID-19 pandemic has disrupted life on a global scale. Businesses slowed or stopped completely. Unemployment was at record numbers; and although businesses are reopening their physical locations and the rollout of COVID-19 vaccines may signify the beginning of the end of the pandemic, the economic impact may continue for quite some time. Consequently, many community, homeowner and condominium association (collectively, CA or association) boards are struggling with their obligations to collect dues and assessments from residents who are suffering economic hardship.

Cyber Crime Liability Protection
While the standard insurance coverage available to community associations covers general liability, D&O and commercial property, it typically doesn’t provide coverage for cyber liability-related claims. If left unprotected in the event of a cyber-liability claim, an association could be at significant financial risk.​

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.

Foreclosure Risk Management For Homeowners 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.

Community Manager Errors & Omissions Coverage What You Need To Know
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.

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.

Affinity Nonprofits- For classes of Nonprofit D&O other than Community Associations,such as Social Service & Charitable organizations; Museums,Historical Societies and Botanical Gardens; Foundations; NonprofitLong-Term Care Facilities; Chambers of Commerce, Membership Clubs,Humane Societies and other nonprofit organizations; and Social andRecreational Clubs, please visit IHG Insurance's sister-company's website. 

CommunityAssociations Network - A resource center for those who live in, governor work with condominium, homeowner and property owner associations. CANlinks to articles and information around the internet.

CommunityAssociations Institute - Community Associations Institute (CAI) is a national, nonprofit 501(c)(6) association created in 1973 to provide education and resources to America's 231,000 residential condominium,cooperative and homeowner associations and related professionals and service providers. The Institute is dedicated to fostering vibrant,responsive, competent community associations that promote harmony,community, and responsible leadership. We are proud to announce that CAIhas awarded its exclusive endorsement to the IHG/CNA D&O Program.

CNA Pro - CNA Prois one of the largest providers of non-medical professional liability insurance and risk management services, as well as a premier writer of financial insurance products. We provide insurance protection for a variety of professional liability and fidelity exposures.

California Association of Community Managers - CACM is the only organization in California whose membership is comprised entirely of community association managers and association practitioners. CACM's emphasis is on education, training and heightened professionalism of community association managers.Programs, activities and educational opportunities dealing with a variety of topics are available. All are tailored to meet the needs and interests of community association managers. 

Aon Programs - Aon Programs serves as a conduit between Aon companies and the independent agency/broker network. Aon Programs provides independent agents/brokers ease of access to these companies that provide specialty risk coverages and insurance services.