DRYERS AND FIRES : A Preventable Tragedy
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Gothan Greens ~ continued from page 7 has cancelled for some reason or another . Indeed , even the best , most professional of contractors can miss a payment . If an injury were sustained to an employee of that contractor while work was being done on our property , the contractor ’ s Workers ’ Compensation policy would decline coverage because the policy was out of force . The association becomes the employer .”
Robin ’ s face carries a look of understanding . “ But why wasn ’ t this an issue before ? Why did the Agent bring it up now ?”
Batman expects the question , “ Our Insurance Agent is a member of the Community Association Institute , an organization dedicated to providing resources to common interest developments . His professional character and firsthand knowledge of the issues unique to associations like ours prompted him to suggest the coverage for a number of years . Only recently did we feel compelled to add the policy to our insurance portfolio .”
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The young tree trimmer is met by a co-worker , and they walk back to their truck to retrieve the first aid kit . Batman nods to Robin , clasps his hands behind his back and turns to walk back toward his home . Robin matches position and pace and , like Socrates to Plato , these philosopher kings ponder on .
Michael Berg has been a licensed insurance agent and member of the Berg Insurance Agency since 1999 . He is very active in CAI and CACM , currently co-teaching the insurance section of CAI Orange County ’ s Community Leadership Training Program .
You can reach Michael at 949-830-4590 x216 or via email at michael @ berginsurance . com .
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22 | The HOA Board Quarterly | Issue # 2 | Spring 2012 Spring 2012 | Issue # 2 | The HOA Board Quarterly | 23