Do Volunteers for ACC Need Ins Coverage too?

Started by TonyM • 3 replies • 1279 views

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TonyM (Washington)
Posts: 3

Posted:

Does anyone know if being on the ACC Committee, if you need the same insurance protection as the Board of Directors? I have read here that some ACC Committees submit their recommendations to the Board and the Board approves; however, our ACC Committee is set up that the Board does not have to approve applications, we do (ACC).

Thanks.

Jadedone4 (Virginia)
Posts: 495

Posted:

Does the HOA's DOL policy cover Directors, Officers, and CHAIR's (and Committees)...? If not, I would say that you do need to have insurance. Especially if the Committee is the "final" arbitor of ACC decisions (pass/fail). Even if your deliberations and procedures were perfect, you are going to encounter some owner who is willing to sue, based on a denial. Not sure what your exposure risk would be (provided that you are using a consistent procedure for pass/fail of changes)- although in your HOA/Committee structure I would say it is the same as if the board made the decisions.

GloriaM (North Carolina)
Posts: 829

Posted:

Tony:

Normally the Board of Directors approve the ARC's. However since yours does not flow through the board, I would suggest a Rider to your policy to include the ARC Committee. Talk with your Agent, perhaps there may already be a clause in the policy that covers committees. Your Agent would be the best person to speak with.

RogerB (Colorado)
Posts: 5,067

Posted:

Tony, in Colorado we carry insurance coverage for all Board members, previous Board members , committee members, Agents, other members acting in an official capacity, and those who have served during the past 3 years. Normally the ACC is separate from the Board unless it is a small HOA.

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