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Pretty sure if it happens on your bit of property, not common area. The Y-man

PL insurance is separate. I assume it's a duplex, or do you mean the OC is not activated? We use GWS Insurance brokers on one similar situation where the BC is not active. There are 4 on the block, but one owner refuses to pay their share, so we split the bill amongst 3 of us. The Y-man