Association Expertise
Specialized knowledge of community association exposures with comprehensive management liability solutions designed specifically for nonprofit HOAs and associations.
Directors & Officers Coverage
Critical D&O protection for board members and officers against personal liability claims, lawsuits, and management decisions in their official capacity.
Predictable Risk Model
Recurring revenue model with predictable risks and digital platform efficiency, providing stable coverage with consistent pricing for associations.
Nationwide Coverage
A- rated coverage available nationwide with association-specific modifications and comprehensive understanding of state HOA regulations.
Why Associations Need Specialized Coverage
General liability insurance lacks the specialized protections that HOAs and community associations require for their unique governance, management, and liability exposures.
Basic General Liability
- No Directors & Officers protection
- Limited management liability coverage
- No nonprofit expertise
- Generic policy language
- No association-specific modifications
- Limited understanding of HOA exposures
Our Association Coverage
- Comprehensive D&O protection
- Management liability solutions
- Specialized nonprofit expertise
- Association-specific policy language
- Tailored modifications included
- Deep understanding of association risks
HOA & Association Insurance Complete Guide
What is HOA & Community Association Insurance?
HOA and community association insurance provides specialized coverage for nonprofit homeowners associations and community organizations, including general liability, Directors & Officers protection, and management liability solutions tailored to association governance and operations.
Why Do Associations Need Specialized Coverage?
- Board Liability: Directors and officers face personal liability for association decisions and governance actions
- Management Risks: Employment practices, discrimination claims, and wrongful acts in association management
- Property Exposures: Common areas, amenities, and association-owned property create liability risks
- Financial Responsibility: Fiduciary duties and financial management responsibilities require specialized protection
- Regulatory Compliance: State laws governing HOAs create unique compliance requirements and exposures
Who Needs Association Insurance?
- Homeowners Associations (HOAs): Residential community associations with common areas and amenities
- Condominium Associations: Condo associations managing shared building systems and common elements
- Planned Unit Developments (PUDs): Master-planned communities with multiple property types
- Master Communities: Large developments with multiple sub-associations and extensive amenities
- Community Associations: Neighborhood organizations managing shared facilities and services
- Cooperative Associations: Housing cooperatives with shared ownership structures
Coverage Components
Our association coverage includes General Liability with association-specific modifications, comprehensive Directors & Officers liability coverage, Employment Practices Liability, Crime coverage for association funds, and Property coverage for association-owned assets. The policies are designed specifically for the nonprofit nature and unique exposures of community associations.
Directors & Officers Protection
Critical protection for association board members and officers against personal liability claims arising from their official duties. This coverage protects individual board members from lawsuits related to association decisions, financial management, enforcement actions, and governance matters.
Predictable Risk and Revenue Model
Community associations represent predictable risks with stable operations and recurring revenue models. Our digital platform efficiency allows us to provide competitive pricing while maintaining comprehensive coverage tailored to association needs.
Nationwide A- Rated Coverage
Available nationwide with A- financial rating, providing association boards and members with confidence in our financial stability and claims-paying ability. Our specialized knowledge of state HOA regulations ensures compliant coverage across all jurisdictions.