Re: our own insurance
From: Larry Miller (
Date: Tue, 7 Jul 2009 20:01:03 -0700 (PDT)
Perhaps you could better explain the problem.  Oak Creek Commons has a
general insurance policy on our common facilities and our condo units. Each
owner then has condo homeowners insurance. We have gotten bids from several

How are you organized (legally) and what precisely is the problem?

Larry Miller
Oak Creek Commons

-----Original Message-----
From: Elph Morgan [mailto:elph [at]] 
Sent: Tuesday, July 07, 2009 4:50 PM
To: Cohousing-L
Subject: [C-L]_ our own insurance

I've just had a run-in with our insurance company that got me thinking that
there has to be a better way.

I'll spare you the inane, bureaucratic, lacking in any measure of common
sense story and move straight to the question: Has anyone looked at what it
would take to insure ourselves for general catastrophic and liability?

I'm interested in looking into it. In my brief research it seems to have
some potential. I think we could create a viable business that could meet
our needs, reduce our costs, provide even better service, and do it in a way
that did not increase our risk.

Anyone want to throw fuel or water on my fire? What do you think?

Great Oak Cohousing
Ann Arbor Michigan
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