Cohousing-L Mailing List: Re: Cohousing community work and Insurance

[Carol Agate (carolagate]

Our insurance broker said the D&O (directors and officers) insurance isn’t 
restricted to directors and officers, but applies to everyone volunteering on 
behalf of the association.

Carol Agate
Cornerstone (Cambridge, MA)


> On Jan 6, 2016, at 7:10 PM, syndallas [at] gmail.com wrote:
> 
> 
> Thanks Sharon.
> 
> Has your community had a claim made using the volunteer/participation 
> insurance?  
> 
> I hope to bring the options back to our lawyer.  It's true that standard 
> condo insurance doesn't lay over our cohousing model very well.
> 
> Sent from my iPhone
> 
>> On Jan 6, 2016, at 9:07 AM, Sharon Villines <sharon [at] sharonvillines.com> 
>> wrote:
>> 
>> 
>> 
>>> On Jan 5, 2016, at 8:00 PM, Syndallas Baughman <syndallas [at] gmail.com> 
>>> wrote:
>>> 
>>> 1) a volunteer/participation insurance that would cover some medical bills- 
>>> but then the work program would have to be explicitly voluntary with 
>>> waivers and what not acknowledging the voluntary nature of the work.  
>> 
>> We have this but I don’t know the details. It is “volunteer insurance” and 
>> covers any resident while doing community work.
>> 
>> We also learned last spring that our insurance cost could soon triple — an 
>> industry increase I think.
>> 
>> But what I signed on to ask is have you consulted a lawyer. I wouldn’t take 
>> it for granted that the insurance agent understands all the legalities since 
>> expectations and management in cohousing isn’t like most condos.
>> 
>> Sharon
>> ----
>> Sharon Villines
>> Takoma Village Cohousing, Washington DC
>> http://www.takomavillage.org
>> 
>> 
>> 
>> 
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