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Community Associations

Homeowner and Townhouse Associations

We provide comprehensive Community Association insurance programs through our Specialty Lines Division. We specialize in hard-to-place accounts by offering competitive pricing with first-class protection with property and liability coverage and more. Programs can be customized to meet the specific needs of community organizations.

Coverage features include automatic additional insured status for the property management company, third party harassment and discrimination coverage, as well as non-monetary coverage and defense coverage for breach of contract claims in most states.

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Coverage Highlights

Coverage Highlights

Our all-in-one product meets the needs of Homeowner and Townhouse Associations by providing Directors & Officers Liability including Employment Practices Liability, General Liability, Property and Umbrella coverage.

Click here for an Online Quote (USLI®) ›

Product Options:

  • Directors & Officers Liability with Employment Practices coverage
  • General Liability
  • Property (not available for Residential Condominiums)
  • Commercial Umbrella

Directors & Officers/Employment Practices:

  • Breach of Contract coverage
  • Manager/Management company automatically named as an Additional Insured
  • Employment Practices Liability included for no additional premium for 10 employees or less
  • Unlimited Extended Reporting Period for former Directors & Officers
  • Optional Commercial Umbrella Policy providing excess coverage over the Directors & Officers Liability.
  • Commercial Umbrella limits available up to $5,000,000

General Liability:

  • Limits up to $1,000,000/$2,000,000
  • Defense costs are outside policy limits
  • No Deductible
  • Hired and Non-Owned Auto Liability coverage available

Property:
(not available for Residential Condominiums)

  • Special Cause of Loss form
  • Outdoor Enhancement Endorsement
  • Property Limits up to $1,500,000

Commercial Umbrella:

  • Limits up to $5,000,000
  • Coverage available over the Directors & Officers Liability

Crime:

  • Theft of money, securities and other property by employees of the insured association
  • Coverage provided for employees, directors, officers, committee chairs, and volunteers without having to schedule them
  • Coverage can be extended to cover theft of the association’s money/securities by a property manager’s employees
  • Coverage in the association’s name to protect the assets of the organization

Additional Advantages:

  • Quick quote turnaround
  • Quick binder confirmation

Program Eligibility

Program Eligibility

Areas Targeted

  • Homeowner and Townhouse Associations with less than 1,000 units
  • Condominium Associations with less than 500 units
  • Associations with average units values less than $1,000,000
  • Associations with up to 10 employees
  • No losses/claims incurred in the past three years

Eligible Risks

  • Includes all of the above characteristics except where amended below
  • No more than two losses or claims in the last three years
  • Risks with facilities (Club house, swimming pool, sport courts, docks, etc.)

Applications

Applications

Before downloading and signing any insurance applications, make sure you know your state’s fraud warnings.

Community Association Package Application