Hi

We have found out that our administrator has not paid the community insurance. We all pay our fees but 50% is owned by the developer who has not paid his fees.

It is the developer's administrator. They say they are in debt, so they can't pay, but they take their fees.

Can I take out an insurance to protect myself in case someone has an accident in the communnal areas? I would've thought that the insurance would be paid before the gardens, pool and cleaner. Is there a law about this? What advice would you give?