In effect litigation would likely be against the insurer, the response to my enquiries with one of the major strata insurers was that EC members would be covered if they were deemed to be acting in “Good faith” i.e. the more ignorant they are the safer they are. It there is a Strata Mgr. who appears to have almost no knowledge of rudimentary elements of the “Act” this would supply them with more cover but the litigator may win on the merits and the insurer/Owners Corp. would be liable.