To avoid personal liability in excess of the association's insurance limits, boards must maintain at least minimum levels of D&O Insurance
for associations with 100 or fewer
separate interests and for those with more than 100
(see Civ. Code §5800(a)(4)
Additional insurance coverage can be added through umbrella policies
at very reasonable costs. Also see occurrence v. aggregate
Limits on Protection.
Protections against personal liability are limited as follows:
: Due to the litigious nature of California residents, boards should obtain more than just the minimum levels required by statute.
: Associations needing legal assistance can contact us
To stay current with issues affecting community associations, subscribe to the Davis-Stirling Newsletter