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58

S E P T E M B E R , 2 0 1 7

NFP

,

Property & Casualty

Formerly - ADP Barlow Insurance

Our name might have changed, but the

exceptional customer service you have

come to appreciate has only gotten

better. Contact us today about custom-

building an insurance solution that’s just

right for your Association, Small Business

or Home; Together, we can put your

insurance concerns to rest.

NFP is a leading insurance broker and consultant that provides employee benefits, property & casualty, retirement and

individual private client solutions through our licensed subsidiaries and affiliates. Our expertise is matched only by our

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Protect Yourself with the Right Insurance Program and Services at the Right Price.

• Homeowners Insurance

• Auto Insurance

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Responsive Claims Department

• Risk Management Services

908-382-6625 NJ |

Easton.Info@NFP.com

484-282-1644 PA |

www.CommunityAssociations-NFP.com

Commercial Real Estate

Local offices in Pennsylvania and New Jersey

indemnification clauses in CIC contracts for snow removal.

Its companion bill, S181, passed the senate unanimously.

Please let your Mayors and other elected officials know

that they should fight this bill. The League was able to have

the bill amended to exclude local and state government

contracts for snow removal. The legislation is very unfair

to CICs and our local elected officials should support our

efforts to kill this legislation. You should also contact your

state Senator to voice your strong opposition to his vote for

the bill and also talk to your Assembly members to make

sure they oppose A3656. It benefits only snow removal

contractors and is very bad for HOAs; it may cause sig-

nificant increases in our insurance premiums. This means

that if a person sues the Association for injuries received

in a fall that resulted from the contractor’s negligent

removal of snow or ice, the Association would not be

able to require the contractor to indemnify (to reimburse/

hold harmless) the Association in such situations. Nor

MUNICIPALITIES...

from page 57.

could we pursue damage claims if they plowed down a

mailbox, or worse.

Living in a CIC gives us many ways to work positively

with our local government. All communities start with local

government approval of a developer’s subdivision plan.

Sometimes the community is completed without problems.

More frequently issues occur. I will use examples from my

community to show why good relations with the local gov-

ernment can be vital.

When Kara Homes declared bankruptcy in 2006, 143

of the planned 249 homes had been sold. Only two years

after final subdivision approval, the dream for a beautiful

community turned into a nightmare. Working with con-

cerned and cooperative township committee, Fernmoor

Homes bought the property and construction commenced

again. Without strong support from the elected officials,

the property is thriving again. The elected officials worked

closely with our executive board to make sure that a viable

developer took over the property. In June 2011, we pub-

licly recognized every mayor and committee member that

helped secure the developer.

CONT I NU E S ON PAGE 60