As of 2024, according to the Foundation for Community Association Research, more than 77 million Americans live in community associations, representing 33.6% of U.S. housing. With the growing market, it’s essential to ensure your association is protected beyond primary coverage. Why? Because if an association suffers a massive claim that surpasses the limits of primary coverage, the HOA or association might have to assess members to cover significant losses. Make sure you have the right coverage and limits in place to provide peace of mind for the communities your clients serve. 

Don’t let the unexpected rain on your clients’ parade; explore our excess and umbrella programs for community associations:

Community Association Insurance Solutions’ Umbrella/Excess Insurance Product provides additional liability protection over underlying GL, EL and D&O policies for nonprofit habitational community associations. Up to $10M in limits and written on “A+” admitted paper. Click here for more info on policy features and coverage details. 

Kevin Davis Insurance Services’ Umbrella Insurance Program offers umbrella liability for condominium owners and homeowners associations that can be written follow form of most D&O liability policies. Up to $10M in limits and written on “A+” admitted paper. Click here for more info on policy features and coverage details.