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				<title><![CDATA[Cooperator - Articles - Insurance]]></title>
				<link>http://cooperator.com</link>
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				<lastBuildDate>Sat, 21 Nov 2009 00:42:57 EST</lastBuildDate>
			
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					  <title><![CDATA[Beware of Inadequately/Impropery Insured Contractors]]></title>
					  <link>http://cooperator.com/articles/1959/1/Beware-of-InadequatelyImpropery-Insured-Contractors/Page1.html</link>
					  <description><![CDATA[&nbsp;Many directors serving on the boards of co-ops and condominium communities
&nbsp;assume that once they have secured the appropriate coverage for their
&nbsp;properties, their problems are largely over. Unfortunately, problems in the
&nbsp;insurance marketplace have created conditions which can leave unknowing boards
&nbsp;exposed to losses from areas they least expect. One of the principal indirect
&nbsp;exposures that all boards face relates to the contractors they engage to do
&nbsp;everything from simple building repairs to large capital projects. These contractors may be plumbers, electricians, roofers, painters, HVAC service
&nbsp;technicians and the like and may be performing a range of tasks on the
&nbsp;property. Understanding what is necessary to prevent potential risks associated
&nbsp;with these contractors is essential for every co-op and condominium board. 
]]></description>
					  <author>no@spam.com (Julie McCabe, CPCU, CIC, ARM)</author>
					  <pubDate>Tue, 08 Sep 2009 11:59:57 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1959/1/Beware-of-InadequatelyImpropery-Insured-Contractors/Page1.html</guid>
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					  <title><![CDATA[A Look at Manhattan&#039;s East Village]]></title>
					  <link>http://cooperator.com/articles/1958/1/A-Look-at-Manhattan039s-East-Village/Page1.html</link>
					  <description><![CDATA[&nbsp;While the grid of streets and avenues may remain rigid and unchanging as the
&nbsp;years go by, New York City&rsquo;s neighborhoods are organic entities, constantly shifting and evolving as new
&nbsp;features emerge and old ones fade away. Nowhere is this perpetual reinvention
&nbsp;more evident than in Manhattan&rsquo;s East Village. 
]]></description>
					  <author>no@spam.com (Hannah Fons)</author>
					  <pubDate>Tue, 08 Sep 2009 11:58:49 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1958/1/A-Look-at-Manhattan039s-East-Village/Page1.html</guid>
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					  <title><![CDATA[Helping the New Kids on the Block]]></title>
					  <link>http://cooperator.com/articles/1957/1/Helping-the-New-Kids-on-the-Block/Page1.html</link>
					  <description><![CDATA[&nbsp;Though often responsible for millions of dollars in property and charged with
&nbsp;the oversight of complex building functions, few co-op/condo board members are
&nbsp;real estate professionals. Board members are resident volunteers who come from
&nbsp;many walks of life and various professional backgrounds&mdash;most of which don&rsquo;t include a lot of experience running a multifamily building. 
&nbsp;]]></description>
					  <author>no@spam.com (Jonathan Barnes)</author>
					  <pubDate>Tue, 08 Sep 2009 11:58:04 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1957/1/Helping-the-New-Kids-on-the-Block/Page1.html</guid>
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					  <title><![CDATA[Tips for Efficient, Effective and Productive Boards]]></title>
					  <link>http://cooperator.com/articles/1956/1/Tips-for-Efficient-Effective-and-Productive-Boards/Page1.html</link>
					  <description><![CDATA[&nbsp;Inefficiently-run board meetings are time-wasters that can make even the most
&nbsp;enthusiastic board member cringe at the thought of an upcoming session. By
&nbsp;contrast, a well-run board meeting can be a productive hour or two that
&nbsp;benefits the entire building. Here are a few tips from the pros for getting the
&nbsp;most out of your meetings. 
&nbsp;]]></description>
					  <author>no@spam.com (Stephanie Mannino)</author>
					  <pubDate>Tue, 08 Sep 2009 11:57:16 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1956/1/Tips-for-Efficient-Effective-and-Productive-Boards/Page1.html</guid>
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					  <title><![CDATA[Understanding Roles &amp; Responsibilities]]></title>
					  <link>http://cooperator.com/articles/1955/1/Understanding-Roles-amp-Responsibilities/Page1.html</link>
					  <description><![CDATA[&nbsp;Most co-op and condo residents understand that there is a board protecting the
&nbsp;interests of their building community and individual owners&mdash;they&rsquo;ve probably taken part in numerous board elections, or even served on
&nbsp;committees, or volunteered on behalf of the building in some capacity. But many
&nbsp;residents who&rsquo;ve never held elected office still don&rsquo;t truly understand what the board members do. 
]]></description>
					  <author>no@spam.com (Keith Loria)</author>
					  <pubDate>Tue, 08 Sep 2009 11:56:26 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1955/1/Understanding-Roles-amp-Responsibilities/Page1.html</guid>
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					  <title><![CDATA[Covering the Gaps]]></title>
					  <link>http://cooperator.com/articles/1954/1/Covering-the-Gaps/Page1.html</link>
					  <description><![CDATA[&nbsp;Unlike individual apartment owners&rsquo; insurance coverage, most co-op and condo buildings&rsquo; insurance policies are pretty standard&mdash;they include homeowners&rsquo; insurance, liability, and umbrella coverage. Usually, the common areas such as
&nbsp;the hallways, roofs, basements and so on are insured for liability and physical
&nbsp;damage, and occasionally, the building&rsquo;s insurance policy also covers the standard fixtures in each individual unit. 
&nbsp;]]></description>
					  <author>no@spam.com (Raanan Geberer)</author>
					  <pubDate>Tue, 08 Sep 2009 11:55:42 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1954/1/Covering-the-Gaps/Page1.html</guid>
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					  <title><![CDATA[A Look at Contractor Liability]]></title>
					  <link>http://cooperator.com/articles/1953/1/A-Look-at-Contractor-Liability/Page1.html</link>
					  <description><![CDATA[&nbsp;Part of the process of bidding and hiring a contractor to work in your building
&nbsp;is verifying their insurance coverage. Uninsured or inadequately insured
&nbsp;contractors pose a serious threat to a co-op or condo community&rsquo;s finances and can cause huge legal headaches. To avoid exposing a co-op or
&nbsp;condo to serious liability and expense, it&rsquo;s up to boards and managers to thoroughly vet the people they bring in to do
&nbsp;even basic maintenance projects in their building. 
]]></description>
					  <author>no@spam.com (Greg Olear)</author>
					  <pubDate>Tue, 08 Sep 2009 11:54:47 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1953/1/A-Look-at-Contractor-Liability/Page1.html</guid>
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					  <title><![CDATA[Examining the Effects, Planning Ahead]]></title>
					  <link>http://cooperator.com/articles/1952/1/Examining-the-Effects-Planning-Ahead/Page1.html</link>
					  <description><![CDATA[ The economic crisis has affected many individuals, businesses and markets&#8212;the real estate and job markets, to name just two particularly nasty examples.
 Until now, one of the few industries that didn&#8217;t seem as deeply impacted was the insurance industry, but that is soon to
 change, according to certain experts in the field, who say that indicators show
 that insurance premiums are most likely set to rise over the next year. 
 ]]></description>
					  <author>no@spam.com (Lisa Iannucci)</author>
					  <pubDate>Tue, 08 Sep 2009 11:53:53 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1952/1/Examining-the-Effects-Planning-Ahead/Page1.html</guid>
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					  <title><![CDATA[Are You Covered?]]></title>
					  <link>http://cooperator.com/articles/1204/1/Are-You-Covered/Page1.html</link>
					  <description><![CDATA[
 ]]></description>
					  <author>no@spam.com (Anthony Stoeckert)</author>
					  <pubDate>Fri, 12 Jun 2009 08:50:23 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1204/1/Are-You-Covered/Page1.html</guid>
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					  <title><![CDATA[A Look at Workers&#039; Compensation]]></title>
					  <link>http://cooperator.com/articles/1668/1/A-Look-at-Workers039-Compensation/Page1.html</link>
					  <description><![CDATA[Workers&#8217; compensation, according to the New York State Workers&#8217; Compensation Board, is insurance that provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job. ]]></description>
					  <author>no@spam.com (Greg Olear)</author>
					  <pubDate>Tue, 19 Aug 2008 16:33:46 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1668/1/A-Look-at-Workers039-Compensation/Page1.html</guid>
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