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Habitat recently reported on the forces that are squeezing the renewal of umbrella insurance policies — today's hard insurance market, the departure of many insurance carriers from the New York market, and the tighter scrutiny insurance carriers are giving to clients before renewing umbrella policies. It all adds up to an imperfect storm for co-op and condo boards.
Your directors and officers (D&O) insurance is the main policy that covers you as a board member. D&O can come in different forms. You can add an endorsement to your main package policy or you can have a separate stand-alone D&O policy. Generally speaking, the majority of D&O coverage that is added to the main package is insufficient and is lacking major coverages. Let’s look at a situation that seems simple but actually carries a lot of risk.
Naming things is hard. And I don’t just mean class names and properties. Finding the right term for what we do with the time we spend awake and out of bed turns out to be really hard too. I’ve variously gone by “front-end developer”, “user experience designer”, and “accessibility engineer”, all clumsy and incomplete terms for labeling what I do as an… erm… see, there’s the problem again.
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