Our combined insurance industry experience equals over a century of underwriting, management and agency work. It is our expert opinion the following arguments are valid reasons to vote YES for the HOA Tort Immunity Amendment. CONTROL YOUR MONTHLY MAINTENANCE FEES. Liability insurance is one of our largest expenses. An increase in Premium will be passed onto the homeowner. Tort Immunity is the key to better control. AVOID RISK. Only 2 out of 10 insurers were willing to offer us bids last year and lack of Tort Immunity was a significant contributing factor. Given industry trends, we could receive NO bids in 2015, NO bids in 2015 would leave us with 2 options: Substandard Insurance Markets or Self insurance. The expense to us would be astronomical. MAKE GOCA MORE ATTRACTIVE TO THE INSURANCE INDUSTRY. more... See more text