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association, there would be a gap in coverage. In the examples discussed above, the fitness club would be at risk if a club member was injured during one of the morning walks. When dealing with the larger sports club, even more liabilities would come into play as the events require residents to be taken off the associa- tion’s grounds. Regardless of who the “named insured” is, most insurance policies do not include coverage for off-premises activities. This issue also becomes apparent when clubs hire performers. For example, hiring a comedian, magician, or any other person to perform on-site for the res- idents could bring potential workers compensation risks into play. The best way to mitigate exposure to these risks is to communicate the infor- mation to all residents. Club officers and members, residents, and board members should all be informed of what policies are currently in place, as well as what activities would be excluded from the coverage. Each club, as well as the association, can then work directly with an insurance provider to ensure that sufficient cov- erage is in place. Financial Implications: Generally speaking, with respect to independent clubs, all club activities tend to be completely segregated from the association. When dealing with smaller clubs, such as the fitness club discussed above who do not raise funds or provides any goods or

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