Cohousing-L Mailing List: Re: condo insurance covering "slip and fall" for members?

[John Carver (john.carver]

We've never had a liability claim, but we know from our insurer that the 
same applies. The logic of it is expressed as you can't sue yourself.

A condo policy is to the collective owners as a private homeowner's 
policy is to the homeowner. If you fall in your own home you can't make 
a liability claim against yourself. Liability means being responsible 
for someone else's injury.

I'm in Canada where medical expenses for an injury are covered under our 
medical services plan, but for any expenses outside of that we would 
have to have some sort of accident insurance.

John Carver
Pacific Gardens Cohousing Community <http://pacificgardens.ca/>
Nanaimo, BC

On 11/01/2019 8:36 AM, Jerry Koch-Gonzalez wrote:
> Pioneer Valley Cohousing is a condo in Massachusetts. We have standard
> condo insurance that covers liability if someone who is not an owner falls
> and gets hurt on community property.
>
> What if the person who falls and gets hurt is an owner? An owner in our
> community got hurt and their personal insurance is only covering part of
> her expenses. We submitted a claim to our condo insurance company and they
> denied it because they say the insurance covers only non-members.
>
> We'd like to know if anyone has had similar cases. Any cases where the
> condo insurance covered medical expenses for an owner?
> Is what the insurance company says true? Any leeway?
> Is there other insurance available that covers liability/medical for
> members?