HOA Lawsuit-ie T.Martin case

Two things I noted about the policy that the HOA had with Travelers Casualty and Surety Company of America.

First, the policy was issued on March 30, more than a month after Martin was killed on February 26. It is not clear from the news report whether this was a new policy or a renewal of an existing policy. If it was a new policy then there would be no expectation for coverage of an event that occurred prior to the policy being issued.

Second was "an exclusion clause in [Taveler's] policy contract absolves it of paying for losses caused by or resulting in bodily injury." Makes me wonder what the policy does cover. It would seem to me that any HOA always has the possibility of being sued for someone's bodily injury. People trip on the sidewalk and sue. Kids fall off playground equipment and sue. An HOA policy that does not include coverage for bodily injury seems kind of odd.

Does anyone have more information about this policy and/or other coverage the HOA had?

BTW, the source for my information is at:
http://www.washingtonpost.com/national/trayvon-martins-mother-seeks-money-from-homeowners-association-and-crime-victims-fund/2012/08/06/72d49ace-dfff-11e1-8d48-2b1243f34c85_story.html

The following link provides some additional information. I am also posting two quotes from this article which helps to clarify the Insurance Coverage.

http://www.cohoalaw.com/community-association-news-after-a-tragedy-the-inevitable-search-for-deep-pockets.html

The HOA's insurance coverage - which went into effect over a month after the shooting - excludes coverage for deaths made as part of a claim for wrongful employment practices. Did the HOA "employ" Zimmerman as contemplated by the insurance policy? This is a matter that will likely be litigated.

This is a stark reminder for all board members to carefully consider the consequences of permitting owners to take voluntary action for the association. If a volunteer causes a problem - by re-routing a drainage pipe, misinforming another owner, or even causing physical harm to someone - that volunteer may not be covered by the association's insurance.

Maybe I am have the facts wrong, but if the insurance was taken out after the shooting, why would the insurance company be liable. Unless it was a renewal of the policy that was in place at the time.

My community had a volunteer watch program, staffed by volunteers in vehicles provided by the association. They did a very good job and I never heard of any problems. Our community is one of the largest in the state and seems well financed as our restaurant if open to the public and the facilities are often rented out to the public for weddings, etc. However, we have now changed from volunteers to a contracted security company. The change notice made clear that this security was only to observe and report to the police if necessary, not to approach anyone or any dwelling. I think this must have happened because of the Florida incident.