Condo Media - February 2018 - 20

Association DO'S AND DON'TS
Could this have been avoided? It's
a complicated question which has a
complicated answer. Certainly, the
landscapers could have used more care
when storing equipment on the job site,
but it would have been very difficult
for the association to police this sort of
action. Additionally, the association had
no control over who the injured party
would sue or not sue. But, could the
association have protected their own
insurance policy in this scenario and
avoided having to pay out the claim with
their association coverage? The answer
to that last question is yes. And in that
answer holds the power and value of
being an Additional Insured.
LIMITING RISK
The International Organization for
Standardization (ISO), the governing
board of standard insurance practices,
defines additional insureds as such:
The person or organization shown in
the Schedule is also an insured, but only
with respect to liability arising out of the
ownership, maintenance, or use of that
part of the premises leased to you and
shown in the Schedule.
In a nutshell, if the association had
been listed as additionally insured on
the landscaper's policy, the association would have had the right to use
the landscaper's insurance coverage
to defend the lawsuit and pay out any
settlement since the claim arose from
the scope of the landscaper working on
the association's property. In turn, this
would have protected the association's
policy and kept a claim that the association had little to no control over from
affecting their loss history.
OBTAINING ADDITIONAL
INSURED STATUS
You may be asking, how do we get this
additionally insured status, and from
whom do we request it? It is recommended that any person or company
doing work on your association's
property provide proof of insurance
coverage, usually a certificate of
insurance, and that the individual
or company list the association as

20

CONDOMEDIA

Additionally Insured on their policy.
If your association is managed by a
professional association manager, the
management company should also
be listed as separately insured on the
individual or company policy, however
on a different form.
If you have asked this in the past to
your business partners, you may have
received the push back of what this
costs to them. Though many of the
"standard" insurance carriers provide
"blanket" additional insureds, there
are many non-admitted markets that
require the business owner to pay for
this additional coverage. This cost
typically is in the range of $100-150
per additional insured. With this type
of cost, you can imagine why it would
be a deterrent for a business to add all
of their clients to their policy. However, many of these same companies

will also offer a "blanket" additional
insured form, which typically costs
$250-500, making the costs much
more manageable, and allowing the
business to provide the proper coverage and protection for their clients.
MANAGEMENT
COMPANY COVERAGE
As stated earlier, management
companies should also request to be
additionally insured on the policies of
companies they have either referred
to associations, or facilitated in the
hiring process. If not included as and
additionally insured on the business
partner's policy, the management company can be exposed similarly to the
association if an accident were to arise.
But, should the management
companies be listed as additionally
insured on the condo association's



Condo Media - February 2018

Table of Contents for the Digital Edition of Condo Media - February 2018

Table of Contents
Condo Media - February 2018 - Cover1
Condo Media - February 2018 - Cover2
Condo Media - February 2018 - Table of Contents
Condo Media - February 2018 - 2
Condo Media - February 2018 - 3
Condo Media - February 2018 - 4
Condo Media - February 2018 - 5
Condo Media - February 2018 - 6
Condo Media - February 2018 - 7
Condo Media - February 2018 - 8
Condo Media - February 2018 - 9
Condo Media - February 2018 - 10
Condo Media - February 2018 - 11
Condo Media - February 2018 - 12
Condo Media - February 2018 - 13
Condo Media - February 2018 - 14
Condo Media - February 2018 - 15
Condo Media - February 2018 - 16
Condo Media - February 2018 - 17
Condo Media - February 2018 - 18
Condo Media - February 2018 - 19
Condo Media - February 2018 - 20
Condo Media - February 2018 - 21
Condo Media - February 2018 - 22
Condo Media - February 2018 - 23
Condo Media - February 2018 - 24
Condo Media - February 2018 - 25
Condo Media - February 2018 - 26
Condo Media - February 2018 - 27
Condo Media - February 2018 - 28
Condo Media - February 2018 - 29
Condo Media - February 2018 - 30
Condo Media - February 2018 - 31
Condo Media - February 2018 - 32
Condo Media - February 2018 - 33
Condo Media - February 2018 - 34
Condo Media - February 2018 - 35
Condo Media - February 2018 - 36
Condo Media - February 2018 - 37
Condo Media - February 2018 - 38
Condo Media - February 2018 - 39
Condo Media - February 2018 - 40
Condo Media - February 2018 - 41
Condo Media - February 2018 - 42
Condo Media - February 2018 - 43
Condo Media - February 2018 - 44
Condo Media - February 2018 - 45
Condo Media - February 2018 - 46
Condo Media - February 2018 - 47
Condo Media - February 2018 - 48
Condo Media - February 2018 - 49
Condo Media - February 2018 - 50
Condo Media - February 2018 - 51
Condo Media - February 2018 - 52
Condo Media - February 2018 - 53
Condo Media - February 2018 - 54
Condo Media - February 2018 - 55
Condo Media - February 2018 - 56
Condo Media - February 2018 - 57
Condo Media - February 2018 - 58
Condo Media - February 2018 - 59
Condo Media - February 2018 - 60
Condo Media - February 2018 - 61
Condo Media - February 2018 - 62
Condo Media - February 2018 - 63
Condo Media - February 2018 - 64
Condo Media - February 2018 - 65
Condo Media - February 2018 - 66
Condo Media - February 2018 - 67
Condo Media - February 2018 - 68
Condo Media - February 2018 - Cover3
Condo Media - February 2018 - Cover4
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