Condominium Liability Coverage For Unit Owners and Associations

1) Introduction (Slide 1-2)
a) Title (Slide 1)
b) Description of module (Slide 2)
2) What are condominiums? (Slide 3-4)
a) Condominiums are real estate (Slide 3)
b) Types of condominiums (Slide 4)
3) Unit owners, associations and ownership advantages (Slide
5-7)
a) Unit owners and associations (Slide 5)
b) Association membership (Slide 6)
c) Condominium advantages (Slide 7)
4) Activity (Slide 8-9)
a) Question on condominium policy type (Slide 8)
b) Answer (Slide 9)
5) History of condominiums (Slide 10-13)
a) 1940- First condominiums (Slide 10)
b) 1961-69- First condominium laws (Slide 11)
c) 1961- National Housing Act (Slide 12)
d) 1977- Uniform Condominium Act (Slide 13)
6) Condominium insurance policies (Slide 14-16)
a) Master policies (Slide 14)
b) State-required coverage (Slide 15)
c) Duty to defend unit owner (Slide 16)
7) Activity (Slide 17-18)
a) Question on condominium history (Slide 17)
b) Answer (Slide 18)
8) Review of prior materials (Slide 19-21)
a) What a condominium is (Slide 19)
b) Condominium-related statutes (Slide 20)
c) Condominium-related insurance policies (Slide 21)
9) Loss assessment (Slide 22-28)
a) (Slide 22)
b) (Slide 23)
c) (Slide 24)
d) (Slide 25)
e) (Slide 26)
f) (Slide 27)
g) (Slide 28)
10) Activity (Slide 29-30)
a) (Slide 29)
b) (Slide 30)
11) Ending (Slide 31-32)
a) Conclusion (Slide 31)
b) Exit to quiz (Slide 32)
12) Quiz – Reinforcing Part 1 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Introduction (Slide 1-3)
a) Title (Slide 1)
b) Description of section (Slide 2)
c) Business exclusion described (Slide 3)
2) Terminology (Slide 4-9)
a) What is a business? (Slide 4)
b) What is “a trade, profession or occupation”? (Slide 5)
c) “Trade, profession or occupation” continued (Slide 6)
d) Other business activities (Slide 7)
e) Home day care (Slide 8)
f) Amounts of compensation (Slide 9)
3) Activity (Slide 10-11)
a) Question on business definition (Slide 10)
b) Answer (Slide 11)
4) “Arising out of” (Slide 12-13)
a) What is “arising out of”? (Slide 12)
b) Interpreting “arising out of” (Slide 13)
5) Case law (Slide 14-17)
a) SC dog bite case (Slide 14)
b) Allstate day care case (Slide 15)
c) IL condominium case (Slide 16)
d) IL case continued (Slide 17)
6) “In connection with” (Slide 18-20)
a) Examine “in connection with” (Slide 18)
b) “Connected” defined (Slide 19)
c) NC case (Slide 20)
7) Activity (Slide 21-22)
a) Question on what is a business (Slide 21)
b) Answer (Slide 22)
8) Exceptions (Slide 23-27)
a) Under 21, self-employment, occasional basis (Slide 23)
b) Under 21 example (Slide 24)
c) “Occasional” example (Slide 25)
d) Florida “occasional” case (Slide 26)
e) “Occasional” continued (Slide 27)
10) Ending (Slide 28-30)
a) Review (Slide 28)
b) Conclusion (Slide 29)
c) Exit to quiz (Slide 30)
11) Quiz – Reinforcing Part 2 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Introduction (Slide 1-3)
a) Title (Slide 1)
b) Description of section (Slide 2)
c) Insurer duties under HO 00 06 policy (Slide 3)
2) Premises Risks (Slide 4-8)
a) Duty of care (Slide 4)
b) Status of claimants (Slide 5)
c) Maine case (Slide 6)
d) Knowledge of condition (Slide 7)
e) Ohio case (Slide 8)
3) Activity (Slide 9-10)
a) Question on defense, indemnity (Slide 9)
b) Answer (Slide 10)
4) Review (Slide 11)
5) Duty of care case law (Slide 12-16)
a) Water heater, hose discussion (Slide 12)
b) NJ dishwasher case (Slide 13)
c) IL water line case (Slide 14)
d) NY fall case (Slide 15)
e) LA slip/fall case (Slide 16)
6) Activity (Slide 17-18)
a) Question on water damage (Slide 17)
b) Answer (Slide 18)
7) “Insured locations” (Slide 19-29)
a) Introduction to “insured locations” (Slide 19)
b) “Residence premises,” other structures and grounds (Slide 20)
c) NC “other structure” case (Slide 21)
d) Named insureds’ use of insured locations (Slide 22)
e) AZ “premise” case (Slide 23)
f) OR “temporary residence” case (Slide 24)
g) UT “vacant land” case (Slide 25)
h) Dwellings being built (Slide 26)
i) SD warehouse case (Slide 27)
j) Cemetery plots, burial vaults (Slide 28)
k) IL “occasional” case (Slide 29)
8) Ending (Slide 30-31)
a) Conclusion (Slide 30)
b) Exit to quiz (Slide 31)
9) Quiz – Reinforcing Part 3 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Introduction (Slide 1-3)
a) Title (Slide 1)
b) Description of section (Slide 2)
c) What is a condominium association? (Slide 3)
2) Condominium association laws (Slide 4-7)
a) What is a condominium act? (Slide 4)
b) Purpose of condominium acts (Slide 5)
c) Purposes of the UCIO (Slide 6)
d) UCIO continued, bylaws (Slide 7)
3) Activity (Slide 8-9)
a) Question on condominium acts (Slide 8)
b) Answer (Slide 9)
4) Condominium association functions (Slide 10-12)
a) Condominium association forms (Slide 10)
b) Legal identity (Slide 11)
c) Associations- lawsuits, rules and management (Slide 12)
5) Entitlement to CGL coverage (Slide 13-17)
a) Introduction to entitlement (Slide 13)
b) Who is an insured? (Slide 14)
c) “You,” “your” and the association (Slide 15)
d) Executive officers (Slide 16)
e) Limited officers coverage (Slide 17)
6) Activity (Slide 18-19)
a) Question on association legal existence (Slide 18)
b) Answer (Slide 19)
7) Others entitled to CGL coverage (Slide 20-25)
a) Employees, volunteer workers (Slide 20)
b) Employees, volunteer workers, coverage limitations (Slide 21)
c) Coverage limitations continued (Slide 22)
d) Coverage limitations continued (Slide 23)
e) Real estate managers (Slide 24)
f) Unit owners (Slide 25)
8) Ending (Slide 26-27)
a) Conclusion (Slide 26)
b) Exit to quiz (Slide 27)
9) Quiz – Reinforcing Part 4 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Introduction (Slide 1-3)
a) Title (Slide 1)
b) Description of section (Slide 2)
c) CGL and BP policies (Slide 3)
2) Endorsements (Slide 4-9)
a) Unit owner-additional insured endorsement (Slide 4)
b) CGL, BP additional insured endorsement (Slide 5)
c) Why are additional insured endorsements required? (Slide 6)
d) What are “common areas”? (Slide 7)
e) Unit-to-unit claims (Slide 8)
f) Subrogation waiver endorsement (Slide 9)
3) Activity (Slide 10-11)
a) Question on CGL policy endorsements (Slide 10)
b) Answer (Slide 11)
4) Need for individual unit owner insurance? (Slide 12)
5) Review (Slide 13)
6) Unit owners and associations (Slide 14-16)
a) Relationship between unit owners and associations (Slide 14)
b) What unit owners own (Slide 15)
c) What associations own (Slide 16)
7) Bylaws and rules (Slide 17-22)
a) Unit owner/association disputes (Slide 17)
b) Condominium rules (Slide 18)
c) Condominium bylaws (Slide 19)
d) Condominium rules and common areas (Slide 20)
e) Damage to other units (Slide 21)
f) NJ water damage case (Slide 22)
8) Claims types and locations (Slide 23-26)
a) Type of claim determines coverage (Slide 23)
b) IL water damage case (Slide 24)
c) IL case continued (Slide 25)
d) NJ deck collapse case (Slide 26)
9) Ending (Slide 27-28)
a) Conclusion (Slide 27)
b) Exit to quiz (Slide 28)
10) Quiz – Reinforcing Part 5 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Introduction (Slide 1-2)
a) Title (Slide 1)
b) Description of section (Slide 2)
2) Unit owners suing associations (Slide 3-7)
a) CA sprinkler case (Slide 3)
b) Lighting, slip-and-fall cases (Slide 4)
c) Board member liability (Slide 5)
d) State law- board member tort immunity (Slide 6)
e) Review (Slide 7)
3) Third parties suing associations (Slide 8-11)
a) Introduction (Slide 8)
b) Premises liability-repair and maintenance claims (Slide 9)
c) Statutes determine association liability (Slide 10)
d) CT statute (Slide 11)
4) Unit owner claims against associations (Slide 12-19)
a) CT maintenance case (Slide 12)
b) WA damaged property case (Slide 13)
c) Association duty of care to unit owner (Slide 14)
d) Antenna system case (Slide 15)
e) Security claims (Slide 16)
f) Special relationship (Slide 17)
g) Association vicarious liability (Slide 18)
h) MA stabbing case (Slide 19)
5) Non-unit owner claims (Slide 20)
6) Subrogation (Slide 21-24)
a) Introduction (Slide 21)
b) Statutory limitation or waiver (Slide 22)
c) NY defective wiring case (Slide 23)
d) FL faulty workmanship case (Slide 24)
7) Housing discrimination (Slide 25)
8) IL property manager case (Slide 26)
9) Ending (Slide 27-28)
a) Conclusion (Slide 27)
b) Exit to quiz (Slide 28)
10) Quiz – Reinforcing Part 6 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz