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You can check your state laws to know if executive sessions are allowed in your POA. Heck, even your governing documents may allow it.

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It is ABSOLUTELY normal for the board to meet in private. These are called executive sessions. As long as your board is also having open board meetings, which many states require, then you’re fine. Most of the time, boards discuss sensitive or confidential things behind closed doors. These are things like ongoing litigation, delinquent accounts, and homeowner violations. All of these are topics that can be considered sensitive and might otherwise reveal private information about members when discussed in public. Calm down, OP.

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Ours currently costs us $1000 for D&O and $600 for liability insurance. But we’re a small HOA with only 12 units.

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Ah, another entitled homeowner, I see.

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I guess it depends on the policy your condo association has, but I’m guessing you’ll need a separate policy for yourself too.

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Facebook might be free and easily accessible but it may also invite incivility and conflict. All in all not a good idea for HOAs.

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To OP, an HOA can’t have no board. I advice you to let your members know that and really get the message. One thing that worked for us is having floor nominations. Noone seemed interested at first but when we opened floor nominations, they came pouring in.

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We have the same rule as bluebeard1 but our treasurer isn’t a volunteer. Our treasurer is a hired accountant and is paid. But she doesn’t have the same authority as other board members which means she doesn’t get a vote on association matters.

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