JOEL W. MESKIN, ESQ., CIRMS is the Managing Director of Community Association Products & Risk Management at McGowan Program Administrators, one of The McGowan Companies. Prior to becoming Managing Director, he was Vice President of Community Association Insurance and Risk Management beginning in January, 2005. He is an attorney, with 15 years experience specializing in insurance coverage and related insurance and business litigation. He is a founding Member of the Foundation for Community Association Research Think Tank. He is the author of the numerous articles and papers published in various periodicals, and has been lecturing to organizations and associations nationwide.