Funding comes from membership dues which is only $20 per year for people in the neighborhood who choose to sign up and they get a monthly newsletter. The organization basically serves as the community’s advocate on local and county issues and to sponsor community events and programs. The Board’s primary function is to carryout the association’s administrative duties, including operating five program committees that implement board policies, programs, and events.pita3333 wrote:Rob: Agree...ask QUALIFIED attorney.
Who sponsors the Community Association, where does funding come from? What is the board and Association tasked with and responsible for? Read the GL policy for them...will then really advise if there is coverage.
These answers might also give the ultimate answer. However...the reality is that even if a Corp, the board are not protected for the decisions tehy make as members without a proper D&O policy. If nothing else D&O would provide defense!
So for one example, the organization is trying to get some of the local businesses to support (financially) extra patrols on the main street on Friday and Saturday nights. Another example: The County supervisor's office send a representative to the meetings occasionally to hear local concerns and brief the organization on what is being done (i.e. inform us that stimulus money is coming for some street repairs).
It's a bit different than an HOA. For example, there is no power to enforce codes.
In any case, I can see cases where there is potential exposure. For example, if the organization advocates for speed bumps in a certain part of the neighborhood and there is an incident in another neighborhood that didn't get a speed bump and a child is injured, an accusation could be made such as "I've been telling them we need a speed bump for years now!"