
HAI Group Blog
Insurance, Risk Management, and Professional Development Tips for the Affordable Housing Industry.


Denver Housing Authority's Ransomware Scare: The Anatomy of a Cyberattack
The staff at Denver Housing Authority (DHA) weren't blind to the possibility of a cyberattack.
In fact, staff had taken steps in 2021 to address the organization's cybersecurity vulnerabilities, said Jim DiPaolo, DHA's deputy CFO. But in September 2021, disaster struck—DHA was completely locked out of the files and systems it relies on due to a ransomware attack.
"We had a fairly good business continuity plan," DiPaolo said during a June 2022 interview with HAI Group. "We were backing up our systems, and felt that we had a fairly strong [cybersecurity] program that wasn't going to be open to this type of threat."

Powerful (and Free!) New Cybersecurity Resource for Public Housing Agencies
The housing industry continues to be an attractive target for cybercriminals, who can do real damage to your agency in a matter of minutes. Fortunately, there are organizations like the Center for Internet Security (CIS), whose singular goal is to help you keep your IT systems and data secure.

The 5-Step Risk Management Process for Affordable Housing Organizations
At HAI Group, we define risk as the existence of uncertainty regarding a future loss. The “uncertainty” is an event that can occur and, in the case of a housing organization, adversely affect its objectives, mission, vision, or bottom line.

New Webinar to Discuss Flood Planning and Mitigation for Affordable Housing Organizations
It’s no secret that natural disasters are becoming more prevalent across the country. Over the last decade, the U.S. has seen at least ten disasters annually, costing over $1 billion each time. In the context of affordable housing, 40 percent of the nation’s occupied rental stock is located in areas likely to experience substantial annual losses due to natural disasters.

3 Tips to Create a Solid Online Training Onboarding Program
Take a moment to think back to all of the jobs you’ve had over the years. What made you quit? If you answered having a lack of opportunities for advancement, you’d agree with 63 percent of workers in a recent survey who contributed to the Great Resignation of 2021. As an employer, one thing that you can do to help combat this situation is to develop an online training onboarding program for new hires. Showing employees right off the bat that professional development is important in your organization is critical to retaining talent. Here are three tips to help create a solid program that delivers the most impact.

Making Property Improvements? Here's How Your HAI Group Account Executive Can Help
If you’re a policyholder at HAI Group, we want you to know that we have your back. We don’t disappear once your policy is issued. On the contrary, our goal as your insurance carrier is to establish a relationship with you and communicate regularly to ensure your organization is protected.

Explained: Public Housing vs. Affordable Housing
The terms public housing and affordable housing are often confused, and understandably so, as both refer to rental housing established for eligible low-income families. But public housing and affordable housing are very different in terms of organization, management, and funding.

Case Study: The Importance of Indemnification (Hold Harmless) Clauses in Construction Contracts
A resident trips and falls on your sidewalk, which is in the process of being replaced. He injures his back and shoulder, racking up nearly $100,000 in medical bills. The resident then files a lawsuit, alleging the construction site was not properly marked or roped off. Who’s liable for the damages, you or your contractor?

Want Protection From Environmental Cleanup Liability? The First Step is Knowing That the Rules Are Changing
The federal environmental site assessment standard codified into law two decades ago to protect commercial property buyers from costly Superfund cleanup liability has been significantly updated in the last year. Here's what you need to know.