In ensuring the safety and security of residents, a critical decision housing organizations face is whether to directly hire security personnel or opt for contracting with a third-party security service. Both options have advantages and drawbacks, but it's crucial to understand the insurance implications associated with each choice.

Ensuring fair and equal treatment of tenants is of utmost importance in the housing industry. Unfortunately, instances of tenant discrimination—whether intentional or unintentional—still occur, posing significant financial and reputational risks to housing organizations.

As the U.S. grapples with increasingly severe and unpredictable weather patterns, public and affordable housing organizations must be prepared for the challenges posed by extreme summer weather. From scorching heat waves to intense storms, organizations must take proactive measures to ensure the safety, comfort, and well-being of residents and employees.

In the realm of commercial insurance, certificates of insurance (COIs) play a crucial role in facilitating business transactions and safeguarding the interests of various stakeholders. These documents provide tangible proof of insurance coverage and valuable information about policy details, limits, and endorsements.

Insurance can be complicated, especially if you work with multiple carriers and agents to meet your organization’s insurance needs. It can get a little overwhelming when navigating coverage requirements for affiliate entities, requesting insurance certificates, deciphering insurance terms, and managing relationships. That’s where HAI Group’s Account Services team comes in. 

The popularity and availability of micromobility products such as electric bikes (e-bikes), electric scooters (e-scooters), and hoverboards have drastically increased in the last several years. These modes of transportation are powered by rechargeable lithium-ion batteries, which can pose a severe fire hazard when damaged or charged improperly.

In the complex world of public housing, an array of potential risks lurk, from cyber threats to policy changes. For public housing authorities (PHAs), understanding these risks is essential to safeguarding operations, residents, and communities. This blog delves into ten critical risks that PHAs must navigate.

HAI Group is a leading sponsor of the Public and Affordable Housing Research Corporation (PAHRC), a nonprofit that researches the impact that affordable homes bring to families and communities. In this guest blog, Kelly McElwain, PAHRC’s industry intelligence and research manager, explains how a recent federal program can be leveraged to address housing needs.

Despite an estimated shortage of 7.3 million rental homes affordable and available to extremely low-income families, public housing authorities (PHAs) nationwide have not received congressional funding to build new deeply affordable housing in their communities in decades. PHAs’ hands became even more tied after Congress passed the Faircloth Amendment, which capped PHA public housing stock at the number of public housing units they operated as of October 1, 1999 (known as their ‘Faircloth Authority’). This created a de facto ban on building new public housing.

Active shooter and workplace violence incidents are a growing threat to businesses of all types, including public and affordable housing organizations. 

Insurance is crucial for businesses, offering a safety net against potential financial losses due to unforeseen events. For public housing agencies (PHAs), insurance isn't just about protecting assets and property—it's a requirement tied to funding from the U.S. Department of Housing and Urban Development (HUD).