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99hg皇冠登录有限公司承保的公寓大厦保险.
Condo building insurance can be complicated. 专业公寓保险承认许多不同的风险类型，并提供明确的各方负责涵盖哪些风险.
Four levels of coverage for condo buildings.
共管公寓的独特性质往往导致一些混淆，谁负责保险什么. In reality, it’s a simple set-up, but everyone involved, both the condo association and the condo owner, needs to know how it works. 有四种主要类型的保单，每一种都有自己独特的覆盖范围. These include:
- Association Master Policy
- Bare Walls Coverage
- Single Entity Coverage
- Modified Single Entity Coverage
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Property Insurance
Risk Factor
由于火灾造成的财产损失，共管公寓和合作公寓协会可能面临严重的财务后果, wind, or other causes.
Solution
商业财产保险应承保建筑物的损坏, personal property owned by the association, and income lost due to a covered cause of loss.
General Liability
Risk Factor
共管公寓和合作公寓协会容易受到许多风险的影响, such as claims due to bodily injury, property damage, personal injury, and more. 该协会还可能面临与走廊等公共区域相关的诉讼, stairwells, swimming pools, and parking areas.
Solution
一般责任保险对任何协会来说都是绝对必要的. 当该协会在承保的诉讼中被点名时，它提供法律费用和判决的保险.
Crime and Fidelity Bond Insurance
Risk Factor
犯罪和忠诚债券保险的目的是为合作社和共管公寓协会提供保险，以保护它们免受雇员盗窃资金或协会拥有的个人财产, board member and in some cases, the property management firm.
Solution
犯罪和忠诚保险旨在为员工的不诚实行为提供保险, forgery and alteration, computer fraud, counterfeiting, and more.
Systems Breakdown Insurance
Risk Factor
随着技术在当今世界执行许多任务, a breakdown can cause a significant financial burden, 包括修理设备的费用和由此造成的收入损失或额外费用.
Solution
全面的覆盖范围提供对设备机械故障的保护，如加热和冷却设备和电梯电机.
Directors and Officers Liability Insurance
Risk Factor
董事和管理人员(如董事会成员)可以对他们在履行职责时所做的决定负责. 由此产生的任何诉讼通常都是昂贵的辩护，并可能导致潜在的巨额和解.
Solution
董事和高级管理人员责任保险承保承保的诉讼的法律费用，也可能为任何由此产生的判决提供必要的资金.
Commercial Umbrella Insurance
Risk Factor
当你的共管公寓或合作公寓面临巨大的责任损失，超过了你的标准政策的基本限制，会发生什么?
Solution
商业伞形保险将在一般责任之外提供额外的保险, directors and officers liability, auto liability, and employers liability policies. 限额从100万美元开始，最高可达2亿美元.
Cyber Liability Insurance
Risk Factor
科技已经编织了一张全新的责任暴露网，包括保护隐私的需要, data, 以及协会成员的财务信息. 如果被追究责任，泄露他们的数据可能会导致昂贵的费用和诉讼.
Solution
网络责任保险包括因个人数据泄露而产生的费用和诉讼, assuming that the association is liable.
Environmental Insurance
Risk Factor
污染物清理一般不包括在基本政策之内. 油箱泄漏的修复费用非常昂贵.
Solution
环境保险承保清理费用和因油罐或相关管道泄漏而引起的第三方诉讼.
Sponsor / Investors Owned Units Insurance
Risk Factor
通常情况下，该协会的保单不包括未售出股票的发起人或持有人对其拥有的单位内部的保险.
Solution
应该维护一个政策，为你在单位内负责的内容提供覆盖, 以及因单位内部行为造成的任何收入损失和诉讼.
Association master policy.
公寓业主协会通过“协会总体政策”为大楼的某些部分投保.“每个共管公寓的业主将负责自己单位的剩余保险. 协会的总体政策几乎总是涵盖走廊和电梯等公共区域, but other coverage varies.
Bare walls coverage.
The simplest option is “bare walls coverage,这意味着共管公寓业主协会的政策只涵盖了墙壁, floors, and ceilings in each unit, 其他的一切都由个人业主负责, including fittings and fixtures.
Single entity coverage.
“单一实体覆盖”将公寓业主协会的覆盖范围扩展到“标准装修”,” such as fitted kitchens and bathroom units, but not the owner’s personal property. One note of caution—if an owner replaces any fitting, such as a kitchen counter or carpet, 它将不再包括在协会的总体政策中.
Modified single entity coverage.
最后，“修改单一实体”(也称为全包)将覆盖范围扩展到任何更换或升级的配件.
如果您需要了解更多有关公寓建筑保险的信息，请立即与我们联系.
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