Flooding is one of the most common and costly natural disasters in the United States, posing significant property risks, especially in public and affordable housing. The National Flood Insurance Program (NFIP), managed by the Federal Emergency Management Agency (FEMA), is a vital resource for housing providers to protect their assets and ensure the safety and security of their residents.

Public housing authorities (PHAs) face the continual challenge of maintaining and improving their properties while navigating the complexities of federal regulations and funding. Alongside these challenges, insurance considerations play a crucial role in repositioning efforts, ensuring that properties are adequately protected during and after transitions.

Every employer aims to have a dedicated, skilled staff capable of performing their assigned tasks effectively while fostering long-lasting, mutually beneficial relationships with the organization. Unfortunately, this ideal isn't always achieved. Employees may not meet expectations, or their work ethic and interests may change over time. In such cases, an amicable departure is preferable. However, some employees who are terminated may file wrongful termination claims.

Some housing agencies employ security personnel directly or through third-party services to ensure resident safety. However, these personnel can face complex and tragic situations requiring difficult decisions, as highlighted in a recent wrongful death lawsuit in Ohio in which a police officer employed by a public housing authority (PHA) fatally shot a man, claiming self-defense.

With a constant shortage of public and affordable housing units across the nation, a new development or rehab is always a positive sign for the state of housing. However, growth brings new risks for housing agencies, particularly builders' risk.

As housing agencies increasingly rely on digital systems and data management, the importance of cyber insurance cannot be overstated.

Green roofs are gaining in popularity. Cities want them, tenants love them, and they do great things for the environment. But green roofs cost more to install than traditional roofs, and they carry some risks that are worth a closer look. 

Navigating the complex commercial insurance landscape can sometimes feel like deciphering hieroglyphics in a funhouse maze—confusing, daunting, and occasionally filled with unexpected twists and turns. However, for public and affordable housing providers, mastering the basics of insurance is akin to wielding a powerful shield against the whims of fate, ensuring the protection of vital assets and the continuity of essential services.

Housing organizations embarking on significant construction endeavors may encounter unfamiliar insurance products designed to mitigate construction-related risks. One such product is wrap-up insurance, a specialized form of construction liability coverage offered in two primary variations—owner-controlled insurance programs (OCIPs) and contractor-controlled insurance programs (CCIPs).

In this article, we offer an insightful overview of wrap-up insurance and delineate the crucial distinctions between OCIPs and CCIPs.