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Covenants, Conditions, and Restrictions (CC&R)
Covenants, conditions and restrictions (CC&Rs) are the governing documents that dictate how a homeowners association operates and what rules the owners -- and their tenants and guests -- must obey. These legal documents might also be called the bylaws, the master deed, the houses rules or another name. These documents and rules are legally enforceable by the homeowners association, unless a specific provision conflicts with Federal, state, or local laws.
Insurance Industry News from ProgramBusiness.comNew Underwriting Executives
Storefront owner Venture Insurance Programs, a national program administrator and leader in the design and underwriting of select industry-focused insurance packages, has named Joseph Dolce, CPCU, executive vice president and Mary Teter senior vice president of underwriting of Venture’s National Accounts Division.
“Joe and Mary have a wealth of industry and underwriting experience and have been instrumental in the growth of national accounts in our Preferred Club and Hospitality programs,” said Philip J. Harvey, president of Venture Insurance Programs. “We expect them to provide the leadership and underwriting expertise we need to fuel strong growth and customer satisfaction in our National Accounts Division.”
As executive vice president, Dolce will oversee Venture’s National Accounts Division, which offers alternatives for larger accounts – primarily golf management companies, resort properties and other large hospitality risks – that have national presence or require significant risk management services. This division gives qualified accounts access to alternative risk financing structures such as large deductibles or captives and specialized risk management services.
Dolce has more than 25 years of experience in the insurance industry and has been instrumental in all aspects of alternative risk financing, reinsurance treaties and package lines development for Venture. He began his career with Venture in 1993 as director of underwriting and most recently served as executive vice president of underwriting.
Before joining Venture, Dolce served for 10 years as casualty underwriting director for Philip J. Harvey & Co., and also as casualty wrap-up and national account specialist in the Mid-Atlantic region for Crum & Forster Insurance Group. In 1978, Joe began his insurance career as a casualty underwriter with General Accident Insurance Companies’ Philadelphia branch.
A resident of West Chester, Dolce is a graduate of Belmont Abbey College and holds a Chartered Property & Casualty Underwriter (CPCU) designation.
As senior vice president of underwriting, Teter will be responsible for underwriting and reviewing new submissions, negotiating with carriers, overseeing implementation of risk management programs for each account, and providing service and support to brokers.
Teter has 20 years of insurance industry experience and joined Venture in 1993, most recently serving as senior underwriter for the Preferred Club Program. Prior to joining Venture, she was employed at Philip J. Harvey & Co., where she worked in various agency operations, including large commercial accounts.
A resident of West Chester, Teter has a bachelor’s degree from West Chester University.
About Venture Programs
Venture Insurance Programs (www.ventureprograms.com) is a leading program administrator that designs, underwrites and distributes industry-specific insurance packages. Based in West Chester, Pa., Venture has underwriting alliances with the world’s leading carrier groups, including AIG, Chubb, Crum & Forster, Fireman’s Fund, The Hanover, The Hartford, Hiscox, Markel, OneBeacon, PMA, RSUI, USLI, Zurich North America and Lloyd’s of London. Founded in 1993, Venture provides specialty insurance packages for select vertical industries—including golf and country clubs, golf destination resorts, community banks, life science businesses, technology companies, hotels, restaurants, and marine risks.
For more information, visit their storefront at www.programbusiness.com. ://Click for the whole story...