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Community Associations Umbrella.

This umbrella program provides excess coverage over our Community Association Directors & Officers liability policy. 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.

Key advantages

  • Limits from $1 million to $300 million
  • No shared limits
  • Admitted, A.M. Best A rated carriers
  • Superior level of claim service and support
  • Competitive pricing and low minimum premiums
  • Easy, one step, online quoting and policy issuance
  • Automatic renewal process for most risks


  • Condominiums (residential and commercial)
  • Cooperatives
  • Apartments / rentals
  • Townhouses
  • Homeowner associations
  • Planned unit developments (residential & commercial)
  • Senior / independent housing
  • Office buildings
  • Strip malls
  • Stand-alone retail properties
  • General warehousing
  • Light industrial complexes

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
  • No sexual abuse and molestation exclusion
  • Crisis response coverage
  • Unintentional errors or omissions
  • Broad named insured endorsement
  • 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
  • Personal injury
  • Advertising injury
  • Contractual liability auto liability
  • Directors & officers liability for not-for-profit community associations
  • Punitive or exemplary damages - Except those related to a certified act of terrorism
  • Host liquor liability
  • Employee benefit liability
  • Discrimination

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
$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.


Company Admitted Layer A.M. Best Rating
Great American Alliance Insurance Co. Yes Lead Umbrella A+ XIII
Ironshore Indemnity, Inc. Yes $15,000,000 excess of $10,000,000 A XIV
United States Insurance Co. Yes $25,000,000 excess of $25,000,000 A XIII
Ohio Casualty Yes $25,000,000 part of $50,000,000 excess of $50,000,000 A XV
AWAC Yes $25,000,000 part of $50,000,000 excess of $50,000,000 A XV
Great American Alliance Insurance Co. Yes $25,000,000 excess of $100,000,000 A+ XIII
ACE Westchester Yes $25,000,000 excess of $125,000,000 A+ XV
Ironshore Indemnity, Inc. Yes $25,000,000 part of $50,000,000 excess of $150,000,000 A XIV
Ohio Casualty Yes $25,000,000 part of $50,000,000 excess of $150,000,000 A XV

Additional coverages to consider

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