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Community Associations Umbrella

In 1987 Distinguished Programs pioneered the country's first Real Estate Umbrella Liability purchasing group. Today our Umbrella programs are among the largest in the country - delivering high liability limits at extremely competitive prices. Our Association Umbrella program provides excess coverage over an insured’s underlying liability policies, including Directors & Officers Liability.

  • Limits from $1 million to $200 million
  • Admitted, A.M. Best A rated carriers
  • Competitive pricing and low minimum premiums
  • No shared limits
  • Automatic renewal process for most risks
  • One-step, easy online quoting and policy issuance
  • Superior level of claim service and support

  • Homeowners Associations (HOA)
  • Cooperatives (CO-OP)
  • Property Owners Associations (POA)
  • Commercial Condominiums
  • Condominium Associations (COA)
  • Planned Unit Developments (PUD)
  • Timeshares/Intervals
  • Mixed-use Condominiums

  • $1,000,000
  • $2,000,000
  • $5,000,000
  • $10,000,000
  • $15,000,000
  • $25,000,000
  • $50,000,000
  • $100,000,000
  • $200,000,000

  • No Assault and Battery exclusion
  • Crisis Response coverage
  • Broad Named Insured endorsement
  • No Sexual Abuse and Molestation exclusion
  • Unintentional Errors or Omissions
  • Limitation of coverage to specified locations endorsement - Newly acquired locations must be reported to and accepted by the company within ninety (90) days

  • Bodily Injury and Property Damage
  • Advertising Injury
  • Directors & Officers Liability for not-for-profit community associations
  • Host Liquor Liability
  • Discrimination
  • Personal Injury
  • Contractual Liability Auto Liability
  • Punitive or Exemplary Damages - Except those related to a certified act of terrorism
  • Employee Benefit Liability

Commercial General Liability (CGL) $1,000,000 per Occurrence/
$1,000,000 Personal and Advertising Injury
$2,000,000 General Aggregate per Location  
Commercial Auto Liability (AL) $1,000,000 Combined Single Limit
Employer’s Liability (EL) $500,000 Each Accident
$500,000 Policy Limit-Disease
$500,000 Each Employee-Disease
Employee Benefits Liability (EBL) $1,000,000 Each Occurrence or Each Claim
$1,000,000 Aggregate
Garage Keepers Legal Liability (GKLL) $1,000,000 Each Loss
Directors and Officers Liability (D&O)
(Not for Profit Community Associations Only)
*See Form Requirements Below
$1,000,000 Each Claim (Indemnity)
$1,000,000 Each Claim (Defense)
$1,000,000 Aggregate Each Association
$2,000,000 Each Claim (Defense inside the limit)
$2,000,000 Aggregate Each Association

All primary insurers must have an AM Best rating of A-VI or better. However, we will provide coverage over Employers Liability placed with certified state funds and/or carriers with an AM Best Rating of B++ VI or better.

* Endorsement form Directors & Officers Liability on the Commercial General Liability policy is eligible only if the D&O has its own separate unimpeded limit.

*Directors and Officers Liability underlying policy must include Duty to Defend wording with regards to Defense.

The coverage information outlined here is a guideline only. Please refer to the actual policies for full terms, conditions, exclusions, and limitations. For a sample copy, please contact Susan DeCarlo @ In the event of a conflict between this document and the actual policies, the policies will control.


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