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Community Association Combo.

Your "One-Stop Shop" For Coverage

Community Association Combo brings three separate policies together into one easy-to-complete application and a single insurance company.

This program is our "one-stop shop" for crime, D&O and umbrella coverages for not-for-profit community associations. It was designed by veterans in the real estate liability insurance field who applied their expertise in the industry to deliver a unique umbrella that community associations need.

Key Advantages

  • One easy, time-saving application
  • Special discounted pricing for risks with 136 or less units
  • Same broad coverage
  • One-step, online quoting and policy issuance 


  • Condominium associations (COA)
  • Cooperatives (COOP)
  • Homeowners associations (HOA)
  • Planned unit developments (PUD)

Coverage & Limits

We offer protection for a wide range of insureds, including past, present or future board members, with coverage limits of $1 million, $2 million, or $5 million available.

The insureds include:

  • Volunteers
  • Committee members
  • Trustees
  • Executives
  • Spousal and estate
  • Employees of the association
  • Property management professionals
  • Builders and developers, as members of the board

Defense Expenses

  • Defense expenses are in addition to the limit of liability (when GAIC counsel is used)
  • Defense for non-monetary damage allegations
  • Defense expenses are not subject to the retention (when GAIC counsel is used)
  • Breach of contract coverage providing costs of defense for claims alleging an insured's breach of a third party contract
  • A duty to defend the association and its members
  • No individual insured vs. individual insured exclusion

Employment practices liability

Broadly defined employment practices liability, which includes automatic coverage for:

  • Wrongful termination
  • Employment-related misrepresentation
  • Violation of employment laws
  • Sexual harassment
  • Discrimination
  • Wrongful failure to employ or promote
  • Wrongful discipline
  • Wrongful deprivation of career opportunity
  • Negligent evaluation
  • Retaliation
  • Failure to provide adequate work place policies or procedures

Monetary damages

  • Protection for monetary damages or other (injunctive) relief
  • Punitive damages protection where allowed by law
  • Broad definition of wrongful acts, including: any error, misstatement, misleading statement, act, omission, neglect or breach of duty actually or allegedly committed or attempted by the policyholder or any insured individual in their capacity as such, or any matter claimed against any insured individual
  • Broad definition of claim
  • Automatic 90-day reporting period for no additional premium (if GAIC cancels or non-renews)
  • Payment for losses on the policyholder's behalf, which eliminates the need for the association to pay and then be reimbursed by the insurance company

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


  • Great American Insurance

Additional coverages to consider

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