Community Associations (HOA/POAs)

CommunityAssociationGuard is a national insurance program that offers mono-line or package coverage for master planned communities.

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CommunityAssociationGuard was designed specifically to meet the unique exposures of master planned communities and large scale recreational communities.  The program's "sweet spot" includes upscale single family home developments that include clubhouses and various recreational amenities that provide an enriching family environment.



Common area property and liability exposures of large-scale community associations.

  • Pools and waterparks
  • Equestrian facilities
  • Golf courses     



Associations that require property coverage for residential condominiums or townhouses.


Minimum Premium



The program is available in all U.S. states.



  • Properties with golf courses
  • Flood and Earthquake
  • Equipment Breakdown automatically included
  • Automobile (except HI)
  • Crime
  • Inland Marine
  • Workers' Compensation
  • General Liability:
    • Armed or unarmed security can be covered
    • Herbicide and Pesticide application coverage 
    • Employee Benefits Liability
    • Liquor Liability
    • Crisis Response Insurance
  • Umbrella
    • Underlying GL must be written to provide Umbrella coverage

Coverage can be written either on a mono-line or package basis. Coverage is provided on an admitted basis unless otherwise indicated.

Loss Control

The CommunityAssociationGuard program is built around the concept of providing industry specific loss control and risk management services.


Claim Management

All claims under the CommunityAssociationGuard program will be handled by dedicated claim professionals.  One of our program’s greatest strengths is our ability to integrate specialized claims handling, loss control and prevention techniques for this market segment.

Submission Requirements

  • Completed Industry Standard Applications
  • 5 years of currently valued loss runs with details on any claims over $10,000
  • Full description of operations including those of additional named insureds
  • Expiring and target premiums
  • Community Association Profile

Please send submissions to:

*This is intended as a brief overview of the coverages offered.  Please ask for complete copies of policies for a full description of coverage.