HOA Insurance Coverages
Crime & Fidelity Coverage
Protects association funds against theft, fraud, or misappropriation by employees, board members, or third-party management.
Directors & Officers (D&O)
Provides protection for board members and officers against claims related to governance decisions, fiduciary duties, and administrative actions.
Equipment Breakdown
Covers mechanical and electrical systems serving common property, including HVAC, elevators, and pool equipment.
General Liability
Protects the association against third-party bodily injury and property damage claims arising from common areas and operations.
Master Property Policy
Protects common elements, shared structures, and association-owned property based on governing document requirements and replacement cost valuation.
Property & Casualty Coverage
Addresses structural damage, storm losses, fire exposure, and other insured events affecting association assets.
Additional COVERAGE Options
Cyber Liability
Protects member data, financial records, and online payment systems from breach, fraud, and digital liability exposure.
Employment Practices Liability (EPLI)
Protects associations with direct employees against claims related to wrongful termination, discrimination, or workplace misconduct.
Ordinance or Law Coverage
Covers increased rebuilding costs required to meet updated building codes following a covered loss.
Special Event Coverage
Provides protection for association-sponsored events, gatherings, and temporary liability exposure.
Umbrella / Excess Liability
Extends association liability limits beyond general liability and D&O policies to address large or catastrophic claims.
Associations We Work With
Condominium Associations
Homeowners Associations (HOAs)
Master-Planned Developments
Professionally Managed Associations
Self-Managed Associations
Townhome Communities
HOA insurance should be structured to protect shared property, association finances, and the board members responsible for governance.Â