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				<title><![CDATA[NJCooperator - Articles - Insurance]]></title>
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					  <title><![CDATA[Where Does Your HOA Stand?]]></title>
					  <link>http://njcooperator.com/articles/403/1/Where-Does-Your-HOA-Stand/Page1.html</link>
					  <description><![CDATA[Every month, HOA residents pay monthly fees that are in turn used to pay for a
 variety of association necessities. One of those necessities is insurance
 coverage for their buildings and grounds. This isn&rsquo;t the same as homeowner&rsquo;s insurance, which insures any property within an individual resident&rsquo;s four walls in case of fire, robbery, etc. The building&rsquo;s insurance company covers the actual building structure and its electrical,
 plumbing and other systems. 
 ]]></description>
					  <author>no@spam.com (Lisa Iannucci)</author>
					  <pubDate>Fri, 05 Sep 2008 11:39:04 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/403/1/Where-Does-Your-HOA-Stand/Page1.html</guid>
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					  <title><![CDATA[When Are You Not Covered By Your D&amp;O Policy?]]></title>
					  <link>http://njcooperator.com/articles/408/1/When-Are-You-Not-Covered-By-Your-DampO-Policy/Page1.html</link>
					  <description><![CDATA[ In order to understand circumstances in which you might not be covered by your D&O policy, you must first ask the question, &ldquo;Where does a community association&rsquo;s D&O policy fall within the entire insurance puzzle?&rdquo; Second, &ldquo;Are all D&O policies created equal?&rdquo; And third, &ldquo;How does the community association maximize its coverage?&rdquo; ]]></description>
					  <author>no@spam.com (Joel W. Meskin, Esq.)</author>
					  <pubDate>Thu, 21 Aug 2008 09:09:14 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/408/1/When-Are-You-Not-Covered-By-Your-DampO-Policy/Page1.html</guid>
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					  <title><![CDATA[Managing the Moving Parts]]></title>
					  <link>http://njcooperator.com/articles/407/1/Managing-the-Moving-Parts/Page1.html</link>
					  <description><![CDATA[ When an insurance issue comes up, most people will call their broker with simple
 instructions: &#8220;Handle it.&#8221; While this approach is not uncommon, it is becoming increasingly dangerous to &#8220;abdicate&#8221; rather than delegate. Insurance and risk management programs need to be
 understood by boards and association members for what it is&#8212;a means of transferring the financial impact of risk from the balance sheet of
 the property to a third party. Managing the &#8220;moving parts&#8221; effectively will allow the organization to use insurance and non-insurance risk
 transfer to insulate the assets of the organization rather than having possibly
 significant uninsured exposure. ]]></description>
					  <author>no@spam.com (Albert L. Sica)</author>
					  <pubDate>Thu, 21 Aug 2008 09:08:32 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/407/1/Managing-the-Moving-Parts/Page1.html</guid>
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					  <title><![CDATA[Where Building and Homeowner Coverage Intersect]]></title>
					  <link>http://njcooperator.com/articles/404/1/Where-Building-and-Homeowner-Coverage-Intersect/Page1.html</link>
					  <description><![CDATA[ Common sense notwithstanding, a lot of co-op and condo owners don&rsquo;t have the adequate liability and property insurance they should have. Too often
 they assume that their building association has insurance coverage that will
 automatically cover their personal possessions in case of an accident or
 negligence. ]]></description>
					  <author>no@spam.com (Hannah Fons)</author>
					  <pubDate>Thu, 21 Aug 2008 09:06:12 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/404/1/Where-Building-and-Homeowner-Coverage-Intersect/Page1.html</guid>
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					  <title><![CDATA[Rising Insurance Premiums?]]></title>
					  <link>http://njcooperator.com/articles/402/1/Rising-Insurance-Premiums/Page1.html</link>
					  <description><![CDATA[It seems like the everyday operating expenses of condos and HOAs just keep going up and up&#8212;fuel costs, staff salaries, physical repairs and the cost of cleaning supplies and other materials have all crept up (or shot up) in the last couple of years. But what about the cost of insurance coverage? Has it edged upward along with everything else? In this article, we&#8217;ll attempt to find out. ]]></description>
					  <author>no@spam.com (Raanan Geberer)</author>
					  <pubDate>Thu, 21 Aug 2008 09:04:14 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/402/1/Rising-Insurance-Premiums/Page1.html</guid>
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					  <title><![CDATA[A Look at Workers&#039; Compensation]]></title>
					  <link>http://njcooperator.com/articles/401/1/A-Look-at-Workers039-Compensation/Page1.html</link>
					  <description><![CDATA[Workers&#8217; compensation is insurance that provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job. ]]></description>
					  <author>no@spam.com (Greg Olear)</author>
					  <pubDate>Thu, 21 Aug 2008 09:03:10 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/401/1/A-Look-at-Workers039-Compensation/Page1.html</guid>
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					  <title><![CDATA[Understanding Insurance Claims]]></title>
					  <link>http://njcooperator.com/articles/317/1/Understanding-Insurance-Claims/Page1.html</link>
					  <description><![CDATA[It's bound to happen eventually: calamity befalls your condominium development in the form of windstorm damage, fire, personal injury or the like. The first step most associations take is to call the insurance company and file a claim. However, there are times when it might be better not to file a claim when an incident occurs. ]]></description>
					  <author>no@spam.com (Domini Hedderman)</author>
					  <pubDate>Fri, 07 Sep 2007 12:31:18 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/317/1/Understanding-Insurance-Claims/Page1.html</guid>
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					  <title><![CDATA[New Developments in the Insurance Industry]]></title>
					  <link>http://njcooperator.com/articles/316/1/New-Developments-in-the-Insurance-Industry/Page1.html</link>
					  <description><![CDATA[To those who don't know much about the subject, insurance for condos and HOAs can seem like a fairly simple thing&#8212;like car insurance, or life insurance. It's tempting to just trust their broker or agent, and leave it at that. ]]></description>
					  <author>no@spam.com (Raanan Geberer)</author>
					  <pubDate>Fri, 07 Sep 2007 12:29:27 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/316/1/New-Developments-in-the-Insurance-Industry/Page1.html</guid>
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					  <title><![CDATA[When HOA Insurers Don&#039;t Renew]]></title>
					  <link>http://njcooperator.com/articles/311/1/When-HOA-Insurers-Don039t-Renew/Page1.html</link>
					  <description><![CDATA[Along with management fees, insurance premiums represent one of a homeowners association's largest annual expenses - and with good reason. Protection from major financial loss is integral to a civilized society. Without the security of insurance coverage, our world would have a different look and feel. ]]></description>
					  <author>no@spam.com (Greg Olear)</author>
					  <pubDate>Fri, 07 Sep 2007 12:13:55 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/311/1/When-HOA-Insurers-Don039t-Renew/Page1.html</guid>
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					  <title><![CDATA[HOA Insurance Case Studies]]></title>
					  <link>http://njcooperator.com/articles/310/1/HOA-Insurance-Case-Studies/Page1.html</link>
					  <description><![CDATA[There is a joke that is regularly circulated via e-mail 
 among insurance industry professionals. It goes a little like this: A North 
 Carolina man, having purchased a box of 24 rare and very expensive cigars, 
 insured them against fire. (Yes, fire.) Within a month, having smoked his 
 entire stockpile of fabulous cigars, and having yet to make a single 
 premium payment on the policy, the man filed a claim against the insurance 
 company. ]]></description>
					  <author>no@spam.com (Lisa Iannucci)</author>
					  <pubDate>Fri, 07 Sep 2007 12:11:10 EDT</pubDate>
					 <guid isPermaLink="true">http://njcooperator.com/articles/310/1/HOA-Insurance-Case-Studies/Page1.html</guid>
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