[Everyone] Fwd: [External] Elaine Walker - Insurance - HOA

Tue Jan 26 22:31:47 UTC 2021

Thanks for handling this Elaine!

So to me, it looks like if we need or want to replace CAU, that Clay and
Brown & Brown could offer something competitive or in the same price range.

Dave

On Tue, Jan 26, 2021 at 5:24 PM Walker, Elaine via Everyone <
everyone at chelseaplacedecatur.com> wrote:

> FYI below. It looks like our premiums will go up with another insurer.
>
> Sent from my iPad
>
> Begin forwarded message:
>
> *From:* Clay Collins CIC CRM <ccollins at bbatlanta.com>
> *Date:* January 26, 2021 at 4:47:04 PM EST
> *To:* "Walker, Elaine" <psyefw at emory.edu>
> *Subject:* *RE: [External] Elaine Walker - Insurance - HOA*
>
> Thank you for sharing Elaine.  The CAU program is a very good product.
> Unfortunately, the Dreher Agency is the only access point for CAU in GA so
> we do not have access to their current forms.  Since our premiums will
> likely be VERY close to CAU, I would simply recommend asking Dreher the
> following questions surrounding your Director’s & Officers Liability form
> with CAU.  If the answer to each of these questions is “YES”, then you
> likely have coverage that would mirror the program we would put together
> for you.  If they cannot answer, or if the answer to any of these questions
> is “NO”, then we may want to explore options, knowing the premium will be
> very comparable.
>
>
>
>    - Does the definition of insured include committee members or
>    volunteers?
>    - Does the definition of insured protect past, present, and future
>    directors?
>    - Does the definition of insured extend beyond the actual directors
>    and officers?
>    - Does the definition of insured include employees?
>    - Does the policy cover spouses of directors and officers?
>    - Does the policy provide a defense to claims and lawsuits (vs
>    reimbursing for such costs)
>    - Does the policy defend claims seeking non-monetary loss?
>    - Does the policy cover libel and slander?
>    - Does the policy cover discrimination?
>    - Does your policy provide coverage for your Property Manager AND
>    Property Management Company?
>    - Does the policy cover wrongful termination or other employer
>    liability claims?
>    - Does the policy defend you where there is a claim or lawsuit for the
>    failure to maintain or obtain adequate insurance?
>    - Are you protected for the decisions you make in accepting or
>    rejecting contracts?
>    - Are you protected if there is a claim that you denied someone
>    approval of a building plan because of race, religion, or other basis?
>    - Are defense costs outside the limit of liability?
>
>
>
>
> Clay Collins CIC CRM
> Managing Director
> O: *770-373-5846* <770-373-5846>
> *ccollins at bbatlanta.com* <ccollins at bbatlanta.com>
> Brown & Brown Insurance of Georgia, Inc. (NYSE: BRO)
> Community Association Division
> 900 North Point Parkway, Suite 300
> Alpharetta, GA 30005
>
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> *From:* Walker, Elaine <psyefw at emory.edu>
> *Sent:* Tuesday, January 26, 2021 3:45 PM
> *To:* Clay Collins CIC CRM <ccollins at bbatlanta.com>
> *Subject:* RE: [External] Elaine Walker - Insurance - HOA
>
>
>
>  *[External]*
>
> Hello Mr. Collins,
>
> You asked about the name of the current  insurance company for our
> homeowners association coverage for Chelsea Place on Drexel Ave at 30030.
> I have attached their most recent quote.
>
> Let me know your thoughts about what your company could offer.
>
> Regards,
>
>
>
> EWalker
>
> Elaine F. Walker, Ph.D.
>
> Charles Howard Candler Professor of Psychology and Neuroscience
>
> Director, Mental Health and Development Program
>
> Georgia License #: 001159
>
> Research Coordinator: Joy Brasfield, MA
>
> Phone: 404 727-7547, 404 727-0761
>
> FAX: 404-727-4633
>
> Lab: 560 PAIS Building
>
> Office: 487 PAIS Building
>
> 36 Eagle Row
>
> Emory University
>
> Atlanta, GA 30322
>
>
>
> *From:* Clay Collins CIC CRM <ccollins at bbatlanta.com>
> *Sent:* Monday, January 25, 2021 4:50 PM
> *To:* Walker, Elaine <psyefw at emory.edu>
> *Cc:* Jack Bradley <Jbradley at bbatlanta.com>
> *Subject:* RE: [External] Elaine Walker - Insurance - HOA
>
>
>
> Good afternoon Dr. Walker, thank you for reaching out.
>
>
>
> Placing coverage for an association of this size is fairly easy.  The
> largest expense (and exposure) is the Directors & Officers Liability
> policy.  We highly recommend and only place this particular coverage with 4
> or 5 different programs based on the broad nature of their form and the
> specialization they bring to Community Association risks.  But with this
> special form, it also has a slightly higher annual premium.  Usually in the
> $650-$750 range for a $1,000,000 limit.  The Liability and property
> coverage for the Association for an association of this size is usually
> $450.
>
>
>
> Does the association have coverage currently?  If so, do you mind sharing
> the name of the insurance company?
>
>
>
> Regards,
>
> Clay
>
>
>
> *Clay Collins CIC CRM***
>
> *Managing Director*
>
> *O*: *770-373-5846* <770-373-5846>
>
> *ccollins at bbatlanta.com* <ccollins at bbatlanta.com>
>
> Brown & Brown Insurance of Georgia, Inc. (NYSE: BRO)
> Community Association Division
> 900 North Point Parkway, Suite 300
> Alpharetta, GA 30005
>
>
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> person(s) in your organization. You also agree to notify us of any changes with respect to individuals in your organization. If you do not reply to this e‑mail,
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> Please be advised that any and all information, comments, analysis, and/or recommendations set forth above relative to the possible  impact of COVID‑19 on
>
> potential insurance coverage or other policy implications are intended solely for informational purposes and  should not be relied upon as legal advice. As an
>
> insurance broker, we have no authority to make coverage decisions as that ability rests solely with the issuing carrier. Therefore, all claims should be submitted
>
> to the carrier for evaluation. The positions expressed herein are opinions only and are not to be construed as any form of guarantee or warrantee. Finally, given
>
> the extremely dynamic and rapidly evolving COVID‑19 situation, comments above do not take into account any applicable pending or future legislation introduced
> with the intent to override, alter or amend current policy language.
> 
> 
> “Insurance coverage cannot be bound, amended or cancelled via voicemail, facsimile or e‑mail message without confirmation from an authorized Brown & Brown
>
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>
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>
> prohibited. All personal messages express solely the sender's views and not those of Brown & Brown Insurance of Georgia, Inc or Brown & Brown, Inc. This message may
>
> not be copied or distributed without this disclaimer. Although this email and any attachments are believed to be free of any virus or other defect that might affect any
>
> computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus‑free and no responsibility is accepted by Brown
>
> & Brown, Inc. or its subsidiaries or affiliates either jointly or severally, for any loss or damage arising from its use. If you received this message in error, please immediately
> notify the sender.
>
> *From:* Walker, Elaine <psyefw at emory.edu>
> *Sent:* Monday, January 25, 2021 3:37 PM
> *To:* Clay Collins CIC CRM <ccollins at bbatlanta.com>
> *Cc:* Jack Bradley <Jbradley at bbatlanta.com>
> *Subject:* RE: [External] Elaine Walker - Insurance - HOA
>
>
>
>  *[External]*
>
> Hello Mr. Collins,
>
>    First, thanks for connecting us Mr. Bradley.
>
> I am writing to inquire about an estimate for Homeowners Association
> insurance for the common area of the Chelsea Place townhomes (with no
> residential building coverage).   The townhouse complex is located on
> Drexel Avenue in Decatur GA, 30030.  The complex is 11 owner-occupied
> townhouses, and the Chelsea Place Homeowners Association, Inc. manages the
> common area.  Link is here:
> https://www.atlantatownhomes.com/project/chelsea-place/
> <https://nam11.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.atlantatownhomes.com%2Fproject%2Fchelsea-place%2F&data=04%7C01%7Cpsyefw%40emory.edu%7Cda299187a30c4a0048b708d8c243ef0a%7Ce004fb9cb0a4424fbcd0322606d5df38%7C0%7C0%7C637472944790987963%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0&sdata=%2BNhmpGD6B9gdyyqPEaMxGQFumDrt7lNNjt%2BDtRGuO2Q%3D&reserved=0>
>
>
>
> The common area is comprised of well-landscaped grounds and includes a
> roadway, some other paved surfaces, some retaining walls, and mailboxes.
> The common area contains no recreational facilities (eg., swimming pools,
> courts, swings), sprinkler system, flagpoles, light poles, fountains,
> outside statues, fixtures, structures, gates, storage sheds, shelters,
> gazebos, pump houses, freestanding walls, or outdoor fixtures.
>
>
>
> If you would like to come by and see the property, please let me know.
>
> Regards,
>
>
>
>
>
> EWalker
>
> Elaine F. Walker, Ph.D.
>
> Charles Howard Candler Professor of Psychology and Neuroscience
>
> Director, Mental Health and Development Program
>
> Georgia License #: 001159
>
> Research Coordinator: Joy Brasfield, MA
>
> Phone: 404 727-7547, 404 727-0761
>
> FAX: 404-727-4633
>
> Lab: 560 PAIS Building
>
> Office: 487 PAIS Building
>
> 36 Eagle Row
>
> Emory University
>
> Atlanta, GA 30322
>
>
>
> *From:* Jack Bradley <Jbradley at bbatlanta.com>
> *Sent:* Monday, January 25, 2021 3:08 PM
> *To:* Clay Collins CIC CRM <ccollins at bbatlanta.com>
> *Cc:* Walker, Elaine <psyefw at emory.edu>
> *Subject:* [External] Elaine Walker - Insurance - HOA
>
>
>
> Hi Clay,
>
>
>
> Elaine Walker just reached out to me and is interested in obtaining
> insurance for the HOA she is a member of near downtown Decatur. I have CC’d
> Elaine on this email.
>
>
>
> Please coordinate a time to speak with Elaine to see if we are able to
> assist her.
>
>
>
> Thank you!
>
> *Jack Bradley***
>
> *Employee Benefits Consultant*
>
> *O*: *770-512-5059* <770-512-5059>
>
>  |
>
> *C*: *770-789-1326* <770-789-1326>
>
> *Jbradley at bbatlanta.com* <Jbradley at bbatlanta.com>
>
> Brown & Brown Insurance of Georgia, Inc. (NYSE: BRO)
> Atlanta Division
> 900 North Point Parkway, Suite 300
> Alpharetta, GA 30005
>
>
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>
> *Please confirm that you consent for us to send policies, endorsements, invoices, and other correspondence pertaining to your policies to you via e‑mail.
> These documents may be sent to you in PDF Format.  By replying to this email, you consent to have us communicate electronically with the applicable
> person(s) in your organization. You also agree to notify us of any changes with respect to individuals in your organization. If you do not reply to this e‑mail,
> you will continue to receive policies, endorsements, and other items electronically unless you request in writing to change your document delivery preferences*
>
>
> Please be advised that any and all information, comments, analysis, and/or recommendations set forth above relative to the possible  impact of COVID‑19 on
>
> potential insurance coverage or other policy implications are intended solely for informational purposes and  should not be relied upon as legal advice. As an
>
> insurance broker, we have no authority to make coverage decisions as that ability rests solely with the issuing carrier. Therefore, all claims should be submitted
>
> to the carrier for evaluation. The positions expressed herein are opinions only and are not to be construed as any form of guarantee or warrantee. Finally, given
>
> the extremely dynamic and rapidly evolving COVID‑19 situation, comments above do not take into account any applicable pending or future legislation introduced
> with the intent to override, alter or amend current policy language.
>
> 
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