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How well do you know condo insurance exclusions?

Should a condo owner's injury be covered by the association's policy? What about damage perpetuated by a renter?

By FC&S Editors | Updated on May 10, 2017

Question: We insure a Condo Trust under a business owner’s policy (BOP). A condo unit owner was injured in a slip & fall in the condo parking lot. The BOP policy excludes medical expense coverage for “any insured.” According to our Condo Association Coverage Charges endorsement, which expands the definition of Insured: “…Each individual unit owner of the insured condominium, but only for liability arising out of the ownership, maintenance, or repair of that portion of the premises, which is not reserved for that unit owner’s exclusive use or occupancy.” Does this make the injured condo unit owner an “insured” under the policy of the Condo Trust and hence excluded from the medical expense coverage under the Trust’s policy?

— Massachusetts Subscriber

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