Proof of Contractor's Insurance

Started by JenniferA2 • 3 replies • 1800 views

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JenniferA2 (California)
Posts: 27

Posted:

For HOA's that have full service property management, does your Board still require copies of contractor's insurance certificates naming Association as additional insured? Would this mean that contractors should provide two certificates? One naming property management company and another naming the association? Also, would it seem unreasonable to expect the property management company to name association as additional insured on their insurance?

I realize there are different cases but just want to get a feel for what most HOA's do.

Thanks,

Jenn

MelissaP1 (Alabama)
Posts: 13,836

Posted:

I believe each carries their own separate insurance. It is just required that each have a policy and provide proof of it. Little confused on your question and it's purpose. Need a bit more definition. Thanks!

Former HOA President

JenniferA2 (California)
Posts: 27

Posted:

Thank you for the response, Melissa.

As an example, before we hired the property management company, we had new roofs insalled. Before the roofer could begin his work, I had to have copies of his general liability and worker's comp. insurance certificates naming our association as additional insured. This is common in California.

Now that a property management company is handling our maintenance, they should be following up on the insurance certificates when they hire a contractor to work on our property. I want to make sure they are getting the certificates done correctly but can't say as I know myself whether it is PM, Association or both that should be listed as additional insured.

Jenn

BradP (Kansas)
Posts: 2,640

Posted:

Quote:

Posted By JenniferA2 on 09/02/2011 11:40 PM
Thank you for the response, Melissa.

As an example, before we hired the property management company, we had new roofs insalled. Before the roofer could begin his work, I had to have copies of his general liability and worker's comp. insurance certificates naming our association as additional insured. This is common in California.

Now that a property management company is handling our maintenance, they should be following up on the insurance certificates when they hire a contractor to work on our property. I want to make sure they are getting the certificates done correctly but can't say as I know myself whether it is PM, Association or both that should be listed as additional insured.

Jenn

Jennifer:

The answer to your question is both...they should name the property manager because they are handling the day to day work and should name the association since the work is done on your property. Not sure how it is handled in your state with regards to insurance but this can be done on one insurance certificate listing both entities.

Btw...that is great that you require this, nothing is full proof in this world but that adds another layer of protection for your association.

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