Insurance for

[micky]

The HOA has decided to hire someone to clean up small amounts of litter, mostly that escape from trash cans on recycling and trash days, when emptied into the trucks.

The management company found a place that will charge 600/month. Number of hours was not specified in the offer, only what would be done

OTOH, I think we should hire a neigborhood kid. Even if we paid him $15/hour that would be 40 hours a month, OR, he'd only have to work 16 hours a month. Plus it would be good for the kid**, and we'd write him a recommendation when he wanted to get a better job.

AFAICT, the only issue is that that the cleaning company comes with a million dollars worth of insurance in case of injury.

But our general liability policy, that we already pay for, might have a medical expense limit of 5000 dollars. I'd rather ask you before also asking the insurance agent, so tell me what the following means:

LIMITS OF INSURANCE

-------------------------------------------------------------------------------- EACH OCCURRENCE LIMIT $1,000,000 DAMAGE TO PREMISES RENTED TO YOU LIMIT $1,000,000 ANY ONE PREMISES MEDICAL EXPENSE LIMIT $5,000 ANY ONE PERSON PERSONAL & ADVERTISING INJURY LIMIT $1,000,000 ANY ONE PERSON OR ORGANIZATION GENERAL AGGREGATE LIMIT $2,000,000

What is a Personal & Advertising Injury? Is the limit $5000 or one million?

All the kid has to do is walk around and pick up litter, and once in while add more baggies to the dog stations (I never go where the dogs walk, but I did once fix the dispensor when it got knocked down by a car.)

How can he injure himself more than 5000? By getting a cut, then an infection, then gangrene or dying of sepsis?

This could also affect an individual homeowner who hired a kid to help him take junk out of the basement, do gardening, mow his lawn, etc. Would the chance of high medical bills stop you? Or is that your homeowner policy has a higher limit?

**The boy who used to mow my lawn is now a VP of a Fortune 50 corporation and president of his own division of it. He said other kids teased him that he had to work so hard, in the heat sometimes, but he didn't mind the teasing because he made 2 or 3 times or more what they did at McDonalds etc.

[micky]

Personal and advertising injury is typically an infringement on a person or business?s personal or intellectual rights. It can include libel, slander, and copyright infringement.

Why does an HOA need insurance for that? Why does it get one whole line out of 5 or 9 lines.

At any rate, it doens't apply to picking up litter so the limit for that seems to be 5000. Maybe we could get a rider to make it higher.

[Thomas]

Pick up your own shit. Do not be a slob.

[gfretwell]

Spin the wheel, take your chances but most HOAs will require insurance and licensing. The lawyers tell them to do it.

People get sued for dumb stuff.

[Jim Joyce]

I wonder why the residents who live there can't just pick up what they see. That's how we do it in my neighborhood.

[micky]

A licensed litter picker. What will they think of next!

I wrote

A lot, maybe most of them do pick up stuff but a) they get annoyed when there is extra litter after stuff escapes when the trash men are pouring stuff in the truck. Some people fill their trashbins loosely, and don't use big trash bags

b) I have over 100 neighbors spreead over 6 or 7 blocks of streets. I'll bet your n'hood is less dense, and when there is a crowd, people behave differently. Worse. The same people behave better in smaller groups but the bigger the crowd the worse they behave. That's how Jan 6 got so many people to do such terrible stuff. Why Mr. Clark told us in the 9th grade, Never be a part of a mob. 100 households mostly coming and going at different times is nowhere near a mob but some feel no responsibiiity because they didn't drop it, they're in a hurry in the morning and tired or hungry in the evening.

BTW, more of it ends up in my yard, I think. I must be downwind, and some is caught by the fence, or it goes over the fence which then stops the wind from taking it farther. I find quite a bit in my yard and lots of it under the evergreen bushes, between them and the fence. I have to crawl on my knees 15 or 20 feet to get the stuff out, about twice a year.

[gfretwell]

Same here. The neighbors police up their neighborhoods and the road off the main drag (US41) coming down here. In fact we take care of the river too. The other 4 streams flowing into Estero Bay have cleanup days and they show pictures of a dumpster full of trash. If you did a cleanup of the Estero River west of 41, you wouldn't fill a bathroom trash can. Some of us take a minute and pick that stuff up. It keeps the place cleaner. If people see trash, they throw trash. Only scumbags throw the first piece in a spot with no trash. You say this is mostly the hauler not picking up after himself? Start with the trash hauler. They don't want to be on the news, everyone has a movie camera in their pocket these days.

Most of the trash in the water comes off the streets. If you can't get their attention, call "Eyes on the Bay" ;-)

[gfretwell]

They are honest here and don't call it a license, it is a Business Tax Receipt but most people call it a Business or Occupational License. It just tells all the tax people where you are. It makes it easier for the HOA to write the 1099.

They do sell Professional Licenses for strange shit here but custodian isn't on that list.

Now, if you want to paint fingernails or braid hair, you need a license.

It might be easier to move.

[Ed Pawlowski]

Maybe the real answer is better trash people. We have 675 houses in our community and no trash pickers. Maybe once a month something fall out, usually from the recycle bins. When I go out to get the bin I just put it back.

[micky]

I think hairdressers had a long problem history

I need the exercise.

[micky]

Maybe everybody puts their trash in trash bags?