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Industry Expertise

HOA & Community Associations

California's Davis-Stirling Act requires most community associations to carry general liability and property coverage, and to keep fidelity (crime) coverage protecting owner funds — with specific minimums tied to the number of units. Beyond the statute, lenders and owners expect the association to insure common areas and shield the volunteer board from claims tied to their decisions.

Coverage to Consider Schedule Consultation

Who this coverage is for

This fits homeowners associations, condominium associations, and planned community and common-interest developments of nearly any size. It also suits the volunteer boards and the management companies that run them.

What it can help protect

An association's coverage protects shared property, association money, and the people who govern it:

  • Common-area property — helps repair shared buildings, clubhouses, pools, and landscaping after covered damage.
  • Bodily injury and property damage — liability if someone is hurt in a common area or the association is blamed for damage.
  • Directors & officers (D&O) — defends board members against claims that their decisions harmed owners or violated the governing documents.
  • Employee or volunteer theft — fidelity/crime coverage that responds if association funds are stolen or embezzled.
  • Requipment breakdown — helps with damage to shared systems like elevators, boilers, and pumps.

Key industry risk considerations

A licensed review will usually focus on shared property and reserve stewardship, board governance and vendor contracts, and assessment, funds-handling, and resident communications.

Coverages for this industry

The coverages most relevant to HOA & Community Associations, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core

General Liability Insurance

Injury and property-damage claims in common areas.

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Core

Commercial Property Insurance

Protects common-area buildings and amenities.

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Core

Directors & Officers / Management Liability

Protects the volunteer board's decisions.

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Recommended

Commercial Umbrella / Excess Liability

Extra liability for community exposures.

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Recommended

Crime / Fidelity Insurance

Protects association funds from theft or embezzlement.

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Situational Often required

Workers' Compensation Insurance

Required if the association has employees.

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Have an advisor review the whole stack →

Common Questions