---
title: Does our condo association have to carry liability insurance?
description: What happens if all condo association or HOA members dont want to pay for liability insurance?
---

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# Does our condo association have to carry liability insurance?

| [Condo Association Insurance](https://www.condoassociation.com/blog/topic/condo-association-insurance) |  

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## What do you think? Question:

We have a three-unit condo association with no condo fees. In the past, we've collected money for communal expenses on an ad hoc basis. In the past, we've all agreed to carry condo association insurance for liabilities.

This year, one owner is declining to participate in purchasing insurance. What is out best option? Carry no liability insurance? Split the insurance premium between the two other units? Other solutions?

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## What do you think? Answers (3)

#### What are your thoughts on this topic?

***Comments and postings are not legal advice**, but are the opinions of our readers. This forum and its contents are being monitored. Please be respectful of each other. *  
  

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