A question that has come up several times over the last few months is regarding the waiver of subrogation clause found in governing documents for most community associations. Most homeowners, and many managers, do not understand what it is and why it is so important. I think the best way to explain it is to… Read More


Wilted houseplant

Contest time! Last year’s April Fools edition of Coverage Corner was one of the most talked about editions of the year, so let’s do it again! My co-workers and I have heard of some crazy claims. Can you spot the one that isn’t true? All those submitting correct answers will be entered into a raffle… Read More


A person handing a man in a suit some documents

Jenny from Cornerstone Management asked the following question: “What is the purpose of the broker of record change? Can an insurance broker have one signed, to obtain “blocked” quotes; is that legal?” Great question, Jenny! The Broker of Record change (sometimes called a BOR) is to, literally, switch from one broker to another. It would… Read More


A blue car has rear-ended a red car

Last week at the CACM Northern California Law Seminar, we had a little game for those that visited the Berg Insurance Agency booth. Pick a card, answer a question, and win a very cool Berg Utility Card (even if you got the answer wrong). We were impressed at the knowledge of most of the managers… Read More