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Is it normal for an H.O.A. to request that our company lists them as an, "additionaly insured" on our business liability policy?

HOA insurance liability

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#1 wsdad

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Posted 26 November 2012 - 09:42 PM

Hello,

Is it normal for an HOA (Home Owner's Associatin) to request that our appliance repair business list them as "additionally insured" on our business liability policy? We have listed a couple of home warranty companies that we are contracting for, but we've never heard of an HOA requesting it. However, we're kind of new to owning our own appliance repair business. Is this common for HOA's??? My experience with HOA's has been that sometimes someone gets, "in power" and makes a bunch of outrageous demands on everyone, just to feel important. I've become a little Leary of them. Please tell me if I'm being paranoid for no reason or if it truly is unusual for an HOA to be additionally insured on a contractor's business liability insurance.

Thanks!

Edited by wsdad, 26 November 2012 - 09:43 PM.

I'm not a preacher, I don't care what you think of me, I don't want your money. Just passing on a good tip: God's laws are ancient wisdom and transistors don't change thier effectiveness. Don't just believe, DO! It's saved me $800/mo in advertising alone.

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#2 kdog

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Posted 27 November 2012 - 01:41 AM

Personally, the only ones I would ever list on any insurance as "additionally insured" would be my children or holder of my property mortgage.
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#3 Samurai Appliance Repair Man

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Posted 27 November 2012 - 06:54 AM

Is it normal for an HOA (Home Owner's Associatin) to request that our appliance repair business list them as "additionally insured" on our business liability policy?


Not only is it not normal, it's abnormal and obnoxious. I can almost understand appliance manufacturers wanting to be named as an also-insured when you're doing warranty work for them (although, I personally do not do so for any companies I do warranty work for-- Dacor, Asko, and Miele-- on my liability insurance policy) but not warranty companies and no way for an HOA. Brother Strathy pointed out some pitfalls for you as the policy holder of doing this; basically, it dilutes your coverage. More in this topic ==> http://appliantology...surance-policy/

#4 wsdad

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Posted 28 November 2012 - 09:50 AM

Hello,

Is it normal for an HOA (Home Owner's Associatin) to request that our appliance repair business list them as "additionally insured" on our business liability policy? We have listed a couple of home warranty companies that we are contracting for, but we've never heard of an HOA requesting it. However, we're kind of new to owning our own appliance repair business. Is this common for HOA's??? My experience with HOA's has been that sometimes someone gets, "in power" and makes a bunch of outrageous demands on everyone, just to feel important. I've become a little Leary of them. Please tell me if I'm being paranoid for no reason or if it truly is unusual for an HOA to be additionally insured on a contractor's business liability insurance.

Thanks!


Edit: I was mistaken. The home warranty companies are NOT, "additionally insured." They only have a certificate informing them that we're insured.

Thanks for all your great advice. Using it, I've decided there's enough appliances to repair in the world that I don't have to open ourselves up to this risk and expense. I can't imagine living in that community - I feel sorry for them.

I wonder if the people who deliver the new appliances will have to jump through those hoops. Maybe the residents will repair or install them themselves or get their HOA president to do it. ;)
I'm not a preacher, I don't care what you think of me, I don't want your money. Just passing on a good tip: God's laws are ancient wisdom and transistors don't change thier effectiveness. Don't just believe, DO! It's saved me $800/mo in advertising alone.




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