How do we as humans deal with people who yell and scream at us or refuse to be rational? You know the type, adversarial, manipulative, inflexible, unreasonable, irrational. For most people, the answer is “We don’t”. If given the choice, most of us choose not to work with people like this. We don’t socialize with them, we avoid them at work if possible, and we make our own lives easier by simply ignoring them whenever we can.
Next to selecting a manager, probably the most important decision an association can make is selecting legal counsel. The community association field is complex and ever-changing, and boards have a responsibility to find a legal expert with diverse talents and capabilities who will provide the best council for the association.
Save money. Build community. Use volunteers. But consider the risks and shortcomings first.
A kindly retired neighbor crafted a small wood shelter for the children who shivered in the Colorado elements as they waiting for the school bus each morning. A grateful association board thought it would be a good idea to make sure the man was insured in case something went wrong. The insurance agent said, “Whoa.”
It’s called “sleep insurance” for a reason.
Directors and officers (D&O) liability insurance helps community association board members sleep well at night without worrying that their personal assets are at risk because of a decision or action – or inaction – they make on behalf of the association.