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The HOA is responsible for enforcing the insurance requirement on each of the owners (and insuring the building as required).
If the majority owner controls the HOA and is failing or refusing to take responsibility to manage these affairs, you have a right to file suit against the HOA to force the HOA to take an enforcement action against this majority owner (it is somewhat round-about given that the same individual is involved in both, but it is important to keep the entities separate).
You should be entitled to your attorney's fees and costs from the HOA in the event you are forced to file suit for breach of contract and declaratory relief and prevail in the matter. Hopefully this majority owner will realize the waste of time, money, and resources that will go into this and simply take out an insurance policy as required (you can demand mediation prior to filing suit in an effort to avoid litigation and the associated costs).
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