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Community Associations Umbrella.

Umbrella Insurance for Community Associations

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.

Key Advantages

  • 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

Eligibility

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

Limit Options

  • $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

Key Coverages 

  • 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

Follow Form Coverages

  • 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

Schedule of Minimum Underlying Insurance

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
Or
$2,000,000 Each Claim (Defense inside the limit)
$2,000,000 Aggregate Each Association

All primary insurers must have an A.M. 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 A.M. 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 @ sdecarlo@distinguished.com. In the event of a conflict between this document and the actual policies, the policies will control.


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