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

Wed Jan 27 00:46:37 UTC 2021

Yes, I think that is a reasonable assumption.

Sent from my iPad

On Jan 26, 2021, at 5:32 PM, David Weiner via Everyone <everyone at chelseaplacedecatur.com<mailto:everyone at chelseaplacedecatur.com>> wrote:

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<mailto: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<mailto:ccollins at bbatlanta.com>>
Date: January 26, 2021 at 4:47:04 PM EST
To: "Walker, Elaine" <psyefw at emory.edu<mailto: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<tel:770-373-5846>
ccollins at bbatlanta.com<mailto: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<mailto:psyefw at emory.edu>>
Sent: Tuesday, January 26, 2021 3:45 PM
To: Clay Collins CIC CRM <ccollins at bbatlanta.com<mailto: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<mailto:ccollins at bbatlanta.com>>
Sent: Monday, January 25, 2021 4:50 PM
To: Walker, Elaine <psyefw at emory.edu<mailto:psyefw at emory.edu>>
Cc: Jack Bradley <Jbradley at bbatlanta.com<mailto: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<tel:770-373-5846>
ccollins at bbatlanta.com<mailto: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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“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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From: Walker, Elaine <psyefw at emory.edu<mailto:psyefw at emory.edu>>
Sent: Monday, January 25, 2021 3:37 PM
To: Clay Collins CIC CRM <ccollins at bbatlanta.com<mailto:ccollins at bbatlanta.com>>
Cc: Jack Bradley <Jbradley at bbatlanta.com<mailto: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%7C3316681b0df742ee8d7408d8c24a35c5%7Ce004fb9cb0a4424fbcd0322606d5df38%7C0%7C0%7C637472971293655545%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=mJdZSNuj0%2BYqco%2F94hSuzF8Qfo7lexb89iBYucpdCH4%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<mailto:Jbradley at bbatlanta.com>>
Sent: Monday, January 25, 2021 3:08 PM
To: Clay Collins CIC CRM <ccollins at bbatlanta.com<mailto:ccollins at bbatlanta.com>>
Cc: Walker, Elaine <psyefw at emory.edu<mailto: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<tel:770-512-5059>
 |
C: 770-789-1326<tel:770-789-1326>
Jbradley at bbatlanta.com<mailto: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 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
representative.” This e‑mail and all attachments may contain legally privileged and confidential information. If you are not the intended recipient, you should immediately
stop reading this message and delete it from your system. 
Any unauthorized reading, distribution, copying, or other use of this message or its attachments is strictly 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,
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severally, for any loss or damage arising from its use. If you received this message in error, please immediately notify the sender.

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