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Community Association Package

The Community Association Package brings Property and General Liability together competitively into one easy-to-complete application. It was designed by real estate liability insurance veterans who applied their industry expertise to deliver a unique solution for community associations. Combine it with our Community Association Combo (D&O, Crime, Umbrella) and we’re a one-stop-shop, bringing together a full coverage suite with one carrier.



  • Broad building definition
  • Broad definition of insured
  • Many community structures automatically included


Eligible Property Types

  • 200 units and below
  • Condominium associations (COA)
  • Homeowners associations (HOA)
  • Cooperatives (COOP)
  • Planned unit developments (PUD)

Eligible States 

This program is exclusive to select brokers in the following states. If you would like to be added to the limited distribution list please  contact your sales representative.

Arizona Maryland
Pennsylvania
Colorado Nevada Virginia
California New Jersey
Washington
Illinois


Upcoming Eligible States

Contact your Sales Executive if you would like to be notified when we open to the following states:

  • Connecticut
  • Massachusetts 
  • New Hampshire
  • Ohio
  • Oregon



  • Valuation condition will be Guaranteed Replacement Cost coverage
  • Insuring agreement will follow what is required by the association’s CC&R’s
  • Defense for third party breach of contract claims
  • Additional Insured - by contract automatically included
  • Additional Insured - Manager or Lessor of Premises automatically included
  • Mental injury, mental anguish, humiliation or shock included under bodily injury
  • $50,000 coverage for Employee Theft
  • Loss of Maintenance Fees will be Actual Loss Sustained
  • Pollutant Clean Up $50,000
  • Water Backup of Sewers or Drains $100,000
  • Special Form
  • Ordinance or Law coverage A at full limit, coverage B&C 25% of Building Limit/Maximum $1M
  • Basic AOP deductible of $2500 with additional options available


SUBMISSION REQUIREMENTS
  • Completed Application
  • 5 years loss runs
  • Copies of Financials and Association Plat, (CCR’s needed at binding)
  • Will not quote subject to Loss Runs!

Get a quote or more information on the program

Specialty Sales Team By State