Lorinne Anderson wrote:My thoughts...what sort of insurance would a campground have?
Martin Pergler wrote:
Creighton Samuels wrote:First, the group is paying far more for auto insurance than is necessary; which is just an inefficient use of a valuable community resource, income from outside the community. It's a practical impossibility to expect that those who are willing to commute outside of the community to support all of the income needs of the community as a whole.
Specifically, in my area if the community is above a certain size, it would be a lot more efficient for the community (as whatever legal entity) to own the vehicle and insure under a "commercial" policy, and then allocate the costs of this insurance as well as all other vehicle-related costs to those community members who use it (likely proportional to its use). The individuals using the vehicle would not then need their own personal coverage for use of that vehicle. The premiums for such a commercial policy will be higher than for one primary individual owning and insuring plus a small number of occasional drivers. This reasonably reflects that the more "diffuse" ownership is, the less care people tend to take (they'll bang around their employer's truck more than their own, for instance). But those commercial premiums will be much less than each individual insuring themselves, since it reflects the physical reality that there is only one (or a handful) of shared vehicles.
Anne Miller wrote:I assume that an intentional community is structured similar to a homeowner's association in that each individual owns their land then the association has a board of directors.
This is just basic information based on my understanding and the state I live in.
The individual owners would have the kind of insurance that they choose to protect themselves.
The association would have insurance that protects the buildings that the association owns and a liability policy to protect people that get hurt in those buildings, that might get hurt on the land the association owns, and on the decision that are made by the association. If the association hires employees then these workers would be covered under workers comp insurance bought by the association.
Pretty complicated for the average individual so questions would need to be asks of their insurance agent because laws vary from state to state and even in what country they live in.
Skandi Rogers wrote:Would insurance not be covered in the same manner as land taxes? I.e everyone chips in towards the bill? and the charitable entity that owns the land/runs everything is the thing named.
William Bronson wrote:
Mostly because an Equilateral triangle is a better approximation of an arch than a square or rectangle.
Would a gambrel roof be closer still?