GATED COMMUNITY& PRIVATE ROAD
PRIVATE ROADS MAKE THE ASSOCIATION THE ROAD AUTHORITY — WITH ALL THE LIABILITY THAT FOLLOWS.
PRIVATE ROADS AND GATES MAKE THE ASSOCIATION THE RESPONSIBLE PARTY FOR EVERYTHING.
On a public road, the municipality handles potholes, signage, ice, and lighting. On a private road, the association handles all of it — and carries the liability for every condition. Gates, guardhouses, barrier arms, and access control systems add mechanical and security liability on top of the road exposure.
Potholes, drainage, lighting, signage, ice removal — every road condition is the association's premises liability.
Barrier arms, sliding gates, and access control create mechanical injury and vehicle-strike exposure.
Guardhouses, patrol vehicles, and access control decisions create security-related liability for the association.
Decorative walls, signage, and fountain features at entries are property assets vulnerable to vehicle strikes.
TAP EACH EXPOSURE TO SEE THE LIABILITY.
Private roads and controlled access create exposures public-road communities never face. Tap each.
EVERY UNTREATED SURFACE IS A CLAIM WAITING FOR THE NEXT FREEZE.
On public roads, the municipality plows and salts. On private roads, the association handles snow removal, ice treatment, and drainage — and carries the liability for slip-and-falls and vehicle accidents on untreated surfaces. Snow removal contractors should carry their own GL and workers' comp with the association as additional insured. The association should maintain documented treatment schedules showing when roads and sidewalks were plowed, salted, and inspected after each weather event.
GATED COMMUNITY & PRIVATE ROAD — ANSWERED.
WHAT LIABILITY DO PRIVATE ROADS CREATE?
Vehicle-pedestrian accidents, potholes, lighting, signage, ice and snow, drainage — every road condition is the association's premises liability. Private roads make the association the road authority.
WHAT IF THE ENTRY GATE STRIKES A VEHICLE OR PERSON?
Gate-strike claims are common. Barrier arms, sliding gates, and malfunctioning sensors create GL claims. Regular maintenance, sensor testing, and documented inspection logs are the defense.
DOES THE ASSOCIATION NEED TO MAINTAIN ROAD SIGNAGE?
Stop signs, speed limits, yield signs, and street names on private roads are the association's responsibility. Missing signage strengthens negligence claims when accidents occur.
WHAT ABOUT SECURITY GUARD LIABILITY?
Direct employees require workers' comp and GL. Contract security companies should carry GL, workers' comp, and professional liability naming the association as additional insured.
IS THE ASSOCIATION LIABLE FOR SNOW AND ICE ON PRIVATE ROADS?
Yes. Snow removal, ice treatment, and drainage are association responsibilities on private roads. Contractors should carry their own coverage. Document treatment schedules after every weather event.
WHAT PROPERTY COVERAGE DO GATES AND GUARDHOUSES NEED?
Master property or inland marine covers gates, barrier arms, guardhouses, monuments, cameras, and access systems. Equipment breakdown covers gate motor and sensor failures. Vehicle strikes are the most common damage.
COVER THE ROADS, GATES, AND ACCESS SYSTEMS YOUR COMMUNITY DEPENDS ON.
Kelly Insurance Group builds gated community programs for the infrastructure that controlled access creates. Since 1881.
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