We have a condo in a small (only 12 units) coastal condo complex. Due to prior mismanagement by the prior HOA president, there wasn't much money in the HOA budget after he left. In order to bring the small complex back to life, a handful of owners (only 3) have been doing a majority of the work in and on the complex (grounds, pool, etc.) in order to save money.
In has recently been brought to our attention that the "owners" should not be doing work on HOA "common grounds" due to the great liability risk - not only to the co-owners, but to the HOA itself with the potential risk of lawsuits if someone were to get hurt while working on the complex or grounds.
Can anyone provide insight into this HOA insurance and risk issue and how others may have handled this situation?