Cohousing-L Mailing List: Insurance for cohousing communities

[Linda Hobbet (linda]

Hi,

As a developing community approaching construction we have started 
thinking about insurance. It was prompted by a question to a member's 
insurance company about the art studio we plan to build, including a 
kiln. This prompted an alarmed reaction (honestly, a properly installed 
electric kiln is not dangerous) and saying we would have to be insured 
as a business. The plan is for it to be part of our recreational 
facilities for the members, not a business and we aren't zoned for 
business. We are also planning a woodworking shop. They will not be in 
the same building as the common house.

What have other condominium model communities experienced in finding 
good, hopefully reasonable-priced insurance covering liability, grounds, 
common facilities, and exteriors? Does any other community have a kiln? 
What other issues do we need to consider?

Thanks,
Linda Hobbet

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coho [at] lindahobbet.com
705-546-6687 (home)
706-202-7178 (mobile)
www.VillageHearthCohousing.com