Insurance Solutions
Insurance Solutions for Community Associations
Community associations can face exposures involving buildings, common property, boards, employees, contractors, technology, crime, catastrophes and liability. We approach these coverages as an interconnected insurance program.
Coverage Library
Explore the program, line by line.
Property Insurance
Community association property insurance is intended to respond to physical damage to the buildings and common property the association is responsible for insuring. What is covered, how valu…
Read moreGeneral Liability Insurance
Commercial general liability insurance is intended to respond to claims alleging bodily injury or property damage to third parties arising out of the association's premises and operations. I…
Read moreDirectors & Officers Liability Insurance
Directors and officers liability insurance is intended to respond to claims alleging wrongful acts in the governance and management of the association — decisions, enforcement, elections and…
Read moreCrime & Fidelity Insurance
Crime and fidelity coverage is intended to respond to the theft of association funds or property, including dishonest acts by people handling association money. Governing documents, lender r…
Read moreCyber Liability Insurance
Cyber liability coverage is intended to respond to incidents involving association data and systems — such as a breach of resident information, ransomware or certain forms of electronic frau…
Read moreUmbrella & Excess Liability Insurance
Umbrella and excess liability policies provide limits above specified underlying policies such as general liability, auto and, in some cases, employers liability. They respond only when the …
Read moreWorkers' Compensation Insurance
Workers' compensation responds to work-related injury and illness for covered workers, subject to state law. Associations with employees generally need it, and associations without employees…
Read moreEquipment Breakdown Insurance
Equipment breakdown coverage is intended to respond to sudden mechanical or electrical failure of covered equipment — such as boilers, chillers, elevators, pumps and electrical systems — whi…
Read moreFlood Insurance
Flood is excluded by standard property policies and must be insured separately, through the National Flood Insurance Program or the private flood market. Associations in and outside mapped h…
Read moreWind, Hail & Named Storm Coverage
In catastrophe-exposed regions, wind, hail and named-storm losses are frequently subject to separate deductibles, often expressed as a percentage of insured value. The deductible structure c…
Read moreCoverage depends on the specific policy language, endorsements, facts of the loss and applicable law. This page is general information, not legal advice or a statement that coverage applies.
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The Community Insurance Diagnostic reviews how your current program addresses the association’s risks — before the market is approached.