>Closer to home, I was told today that my community has closed all community facilities - gym, clubhouse, etc. and cancelled all community activities.
>The reason - the liability insurer informed the board that it would not cover deaths from COVID and board members would be individually liable if someone sued over a COVID death.

Among the weirder things I remember from the years I spent on your side of the puddle was the probable explanation for any weird policy, move, rule, warning, anything that would require people to behave less than normal. There were, actually, three of them: 1) it has to be so because bank asked for it or else we wouldn't get the loan, 2) insurance rate would be much higher without that, 3) someone sued someone and left him pantless over such an issue, so Justin Case is our friend now.

Nowhere else in the world have I seen handrails on every six feet on a staircase with only three steps, in an open, brightly lit space. Nor people being run out of a public beach during a storm, to drive home among the falling trees.