Community Associations (HOA/POAs)

A national insurance program providing package coverage for master planned communities.
community associations

From golf courses to community centers, we’ve got you covered.

Meeting the unique risk exposures of master-planned communities and large-scale recreational communities can be challenging.  That’s why we developed our Community Associations program designed specifically to serve this niche market, protecting your insureds every step of the way.  We understand the complexities of community association risk management and have exclusive access to programs and resources designed specifically with your needs in mind.

Amwins Program Underwriters’ dedicated Community Associations insurance program features tailor-made solutions for upscale single-family home developments including clubhouses and various recreational amenities.  Our program provides extensive coverage for community associations that afford protection against claims arising from their activities and management of their properties.

Eligible accounts

Large-scale community associations with common area property and liability exposures, such as the following:

  • Pools and waterparks
  • Equestrian facilities
  • Golf courses
  • Recreational activities

Ineligible accounts

  • Monoline coverage
  • Residential condominiums - contact your local Amwins broker for assistance
  • Timeshares
  • Townhouses or townhomes


  • Properties with golf courses
  • Flood and earthquake
  • Equipment breakdown automatically included
  • Automobile (except in HI)
  • Crime
  • Inland marine
  • Workers' compensation
  • General liability:
    • Herbicide and pesticide application coverage 
    • Employee benefits liability
    • Liquor liability
    • Crisis response insurance
  • Umbrella
    • Underlying GL must be written to provide umbrella coverage

Coverage is provided on an admitted basis unless otherwise indicated.

Loss control

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

Claim management

All claims under the Community Associations 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.

Community Associations
Program details


The United States (except Hawaii and U.S. possessions & territories)

Minimum premium

$15,000 (total account premium)




A.M Best Rated "A"

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: