Board Members and Exclusions in Insurance

What every condo board member and property manager needs to know about insurance coverage, exclusions, and protecting your association.

About This Webinar

In this one-hour session, Haber Law Equity Partner Marnie Dale Ragan and insurance broker Andrea Northrop of Patriot Growth Insurance Services break down the most critical insurance pitfalls facing condo boards and property managers today — from D&O exclusions and deductible structures to subrogation claims, vendor contracts, and the growing risk of AI use in associations.

Condo board members

HOA trustees

Property managers

Community association professionals

Key Takeaways

Don’t focus only on premium — exclusions are where the real risk hides
First dollar defense vs. deductible-at-filing can make a huge financial difference for your association
Always report potential claims to your carrier — even if you plan to self-resolve
Certificates of insurance are worthless without a written contract backing them up
Cheap coverage often means tripling your legal budget down the road
AI-generated owner communications can trigger insurance claims — boards need to be aware

Meet the Speakers

Marnie Dale Ragan

Equity Partner, Haber Law

Marnie is an Equity Partner and co-chair of the Association Department at Haber Law. Board-certified with over 20 years in practice, she specializes in community association law and works closely with boards to navigate legal and risk management challenges.

[email protected]

Andrea Northrop

Principal, Patriot Growth Insurance Services

Andrea is a licensed insurance broker, risk manager, and former attorney with nearly two decades of experience working with community associations. She specializes in helping boards understand their coverage before a claim — not after.

[email protected]

Have questions about your association's coverage or board liability?

Our team is here to help. Reach out to Haber Law for a consultation.