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Being under-insured puts a co-op at risk. Insurance protects against a misfortune that strikes without warning. In a housing co-op anything can happen, from a fire - several major fires have occurred over the past few years - to a staff person or president gone missing, along with the entire capital

Under new federal rules introduced in August 2016, landlords have little recourse if a tenant is growing licenced medical marijuana in their unit. There’s a risk, though, that insurance policies will not cover damages from any activities deemed ‘high risk’, and, in most cases, the operation of a