One of the most complex and enduring risk management challenges has been the need to identify who is liable for loss and responsible for insurance in multi-unit housing.

Since the Covid-19 pandemic, the challenge has become even greater as landlords and condominium associations are expected to help control the spread of infectious diseases. In addition to long-standing questions about the extent of responsibility for damage to building property, managers of multi-unit buildings and complexes must make difficult decisions regarding the use of common areas and the activities of occupants and their guests.

This program will address several themes regarding risk in multi-unit housing, including:

• Increasing requirements that rental tenants have renter's insurance
• Trends in the allocation of building property coverage between unit owners and condominium associations
• Trends in general liability coverage for occupants and building owners
• Management liability exposure for members of association boards