Timothy Cline Insurance Agency, Inc.

ARTICLES » HOA’s Hiring Contractors and Subcontractors

"Hiring a Contractor – Be Careful of Exclusions Added to Contractor’s CGL Policies"

Many Commercial General Liability insurance carriers providing coverage for California contractors and subcontractors now routinely will include a “multi-family exclusion” which eliminates coverage for the contractor’s work on condominium associations, homeowners associations, cooperatives and apartments. (3 Pages)

"Is a Certificate of Insurance from your Contractor Enough?"

This is a second article discussing the aforementioned “multi-family” exclusion issue and how it impacts common interest developments in California. (3 Pages)

"Workers' Compensation Coverage - Is Volunteer Labor a good thing"

If your Association is attempting to stay solvent by relying on volunteer labor to substitute for the more conventional, subcontracted (and insured) kind, you’re not alone.