Our Condominium and Homeowner’s Association (HOA) Program covers common areas of community associations where all development and/or construction is substantially complete.  Included in this program are single-family Homeowner’s Associations, residential condominium, townhouse or time-share associations, and co-op housing corporations.

Program Features

Types of HOA exposures covered include, but are not limited to:

• Baseball Diamonds
• Bathing Beaches
• Bicycle Trails
• Boat Docks and Ramps
• Clubhouses
• Employed Security Guards
• Horse Trails
• Lakes
• Parks
• Public Areas
• Playgrounds
• Saunas and Spas
• Stables
• Streets and Roads
• Swimming Pools
• Tennis Courts

Coverage/Limits Available

• General Liability limits up to $2MM/$3MM
• Umbrella/Excess limits up to $25MM
• Sports Participant Liability limits up to $25,000 occurrence/$50,000 aggregate
• Hired and Non-Owned Auto
• Medical payments coverage
• Directors and Officers coverage, including Employment Practices Liability
• Crime: money and securities inside and outside premises

Prohibited Operations

• Garbage Dumps and Landfills
• Saddle animals for hire
• Swimming pools not fenced with self-latching gate
• Private Airports

Submitted Operations

• Dam existence hazard
• Security Guards
• Swimming pools with diving boards or slides
• Lakes larger than 35 acres
• Water or sewage treatment facilities operated by applicant