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	<title>APM News Express &#187; Insurance</title>
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	<description>Community Association Property Management, Palm Beach Co., Florida</description>
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		<title>Fidelity Bonds for Community Associations</title>
		<link>http://www.apmnews.org/fidelity-bonds-for-community-associations/</link>
		<comments>http://www.apmnews.org/fidelity-bonds-for-community-associations/#comments</comments>
		<pubDate>Fri, 09 Jul 2010 14:54:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Board of Directors]]></category>
		<category><![CDATA[Management]]></category>
		<category><![CDATA[Operations]]></category>
		<category><![CDATA[Crime Coverage]]></category>
		<category><![CDATA[Employee Dishonesty]]></category>
		<category><![CDATA[fidelity Bond]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=865</guid>
		<description><![CDATA[I am not aware of any law that requires a community association to have Fidelity Bond coverage, but in the normal course of business it is a prudent form of protection.  Fidelity Bond coverage provides protection for loss of money (i.e., reserves or operating expenses, additional securities and property) that would arise from fraudulent or dishonest acts of those who would be defined as persons handling the association’s money.]]></description>
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		<item>
		<title>Is Your Association Covered by Workers&#8217; Compensation Insurance?</title>
		<link>http://www.apmnews.org/associations-and-workers-compensation-insurance/</link>
		<comments>http://www.apmnews.org/associations-and-workers-compensation-insurance/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 23:27:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Management]]></category>
		<category><![CDATA[Operations]]></category>
		<category><![CDATA[Injury]]></category>
		<category><![CDATA[Liability]]></category>
		<category><![CDATA[Workmen's Compensation Insurance]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=583</guid>
		<description><![CDATA[If your association has any employees, employs any contractors or has any outside contractors that may do work for owners while on association grounds, then your association needs to be covered by Workers’ Compensation Insurance, in some form.  
]]></description>
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		<item>
		<title>6 Surprising Flood Insurance Misconceptions</title>
		<link>http://www.apmnews.org/surprising-flood-insurance-misconceptions/</link>
		<comments>http://www.apmnews.org/surprising-flood-insurance-misconceptions/#comments</comments>
		<pubDate>Thu, 28 Jan 2010 19:57:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Community Association]]></category>
		<category><![CDATA[Condominium]]></category>
		<category><![CDATA[Flood Insurance]]></category>
		<category><![CDATA[Owner]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=434</guid>
		<description><![CDATA[Flooding is the United States #1 natural hazard. The National Flood Insurance Program (NFIP) wants consumers to know that while homeowner's insurance won't cover them against flooding, they can protect their home and property by purchasing a flood insurance policy separately through their local insurance agent.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>When Bad Things Happen to Good Associations</title>
		<link>http://www.apmnews.org/when-bad-things-happen-to-good-associations/</link>
		<comments>http://www.apmnews.org/when-bad-things-happen-to-good-associations/#comments</comments>
		<pubDate>Thu, 14 Jan 2010 18:24:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Board of Directors]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Maintenance]]></category>
		<category><![CDATA[Operations]]></category>
		<category><![CDATA[Statutes]]></category>
		<category><![CDATA[Community Association]]></category>
		<category><![CDATA[Effective Leadership]]></category>
		<category><![CDATA[Hazard]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=259</guid>
		<description><![CDATA[A Board of Directors can have all good intentions when running their association, but there will be times, unforeseen circumstances and events that will occur that will disrupt and test well run associations.  It is just a fact of life in an association that there will be challenges for the Board of Directors to deal with.  In a well run association these challenges are dealt with in way that lessens the impact on the residents. ]]></description>
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		<title>Growing Problem with Slip, Trip and Fall Accidents</title>
		<link>http://www.apmnews.org/slip-trip-and-fall-accidents/</link>
		<comments>http://www.apmnews.org/slip-trip-and-fall-accidents/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 20:49:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Maintenance]]></category>
		<category><![CDATA[Management]]></category>
		<category><![CDATA[Operations]]></category>
		<category><![CDATA[Community Association]]></category>
		<category><![CDATA[Hazard]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Risks]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=93</guid>
		<description><![CDATA[With the aging of our population we are seeing more and more instances of “trip and falls” within our communities.  Some of these incidents are just plain accidents and some are a result of a “dangerous condition” within the community.  In many cases, the owner of the property (common property = association) will be liable for the accident and any injuries.  ]]></description>
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		<slash:comments>2</slash:comments>
		</item>
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		<title>Still Confused About Your Condominium Insurance?</title>
		<link>http://www.apmnews.org/condominium-insurance-confusion/</link>
		<comments>http://www.apmnews.org/condominium-insurance-confusion/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 17:05:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Board of Directors]]></category>
		<category><![CDATA[Management]]></category>
		<category><![CDATA[Operations]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Laws]]></category>

		<guid isPermaLink="false">http://www.apmnews.org/?p=56</guid>
		<description><![CDATA[Condominium owners do not need as much casualty insurance as a homeowner, as the association is covering much of the structure. The insurance coverage for a condominium owner should include personal property and liability. There are policies for condominium owners, known as form HO-6. These policies will provide the liability and personal property protection a condominium owner needs.]]></description>
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