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A Board Member of HOA fell on property while performing

Second opinion] A Board Member...
Second opinion] A Board Member of HOA fell on property while performing duties for the Board. Is Member covered by D&O insurance in FL? Our agent said No. How is this possible? . Does FL have any civil codes to protect owners in common areas?
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Answered in 4 hours by:
1/21/2018
N Cal Attorney
Category: Real Estate Law
Satisfied Customers: 9,889
Experience: Since 1983
Verified

Thank you for your question.

D&O insurance only covers claims made against a director or officer, it does not cover damages for injuries sustained by a director who slips and falls on HOA property. That type of claim is normally covered by the HOA liability insurance policy and/or any comprehensive general liabiliry insurance the HOA may have. It may also be covered under a workers' compensation policy if the HOA has one and it does not exclude directors.

I hope this information is helpful.

N Cal Attorney
Category: Real Estate Law
Satisfied Customers: 9,889
Experience: Since 1983
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