So long as a housing organization has employees, it is likely to face some type of employment practice liability exposure. Fortunately, there are ways an organization can mitigate this type of loss. The first step is understanding the types of claims that can arise if your organization doesn't abide by the applicable state and federal employment laws.

It’s common to assume your general liability insurance policy covers cyber liability. The reality is that these policies are separate but equally important in today’s landscape. General liability coverage protects housing organizations from a wide range of exposures, including injuries and property damage, but isn’t designed to handle the nuance of cyber risk.

As more public housing agencies dip into the private market—at a time when settlement values and jury awards are rising due to social inflation—it's never been more critical for affordable housing providers to build a cushion into their liability coverage.

Energy costs can contribute substantially to the overall financial burden of housing. Inefficient buildings—those with poor insulation, leaky windows, outdated HVAC equipment, and the like—are of particular concern, since they drive up utility costs more than their efficient peers.

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. 

Affordable housing provides stability and security—along with a springboard to success—to our country's most vulnerable populations. Here's how to help protect the properties and people who make this essential service possible.

If you’re considering replacing your shingles—you’ve been hit by a storm, say, or your shingles are curling or buckling—the choices, from color to shape to material, can be overwhelming. One option you may have heard about is impact-resistant shingles. But are they worth the investment? Let’s dive in.

If you run an affordable housing organization, chances are your insurance agent or carrier representative has recommended that you invest in business income insurance, or BII. But what is it, exactly? And do public and affordable housing organizations really need it? Read on for answers.

Cybercriminals continue to target public and affordable housing organizations at an alarming rate. The good news? Protecting yourself doesn’t have to be complicated—or expensive.

At HAI Group, we’ve made the property and liability claim filing process as simple as possible for you and your organization. This guide provides a detailed explanation of the entire process, from pre-event documentation and post-event loss control to investigations and recordkeeping. Accidents happen–HAI Group is here to help.