General Liability
Covers injuries or property damage that happen in common areas the association is responsible for.
Scenario: a resident is injured at the community pool
The board makes the decisions. Make sure the board is covered too.
Shared pools, clubhouses, and common areas carry real liability — and board members carry their own exposure for the decisions they make on the association's behalf.
Coverage lines
What we typically put in place for HOAs
Every community and amenity package is different — this is the starting checklist, not the finished policy.
Directors & Officers (D&O)
Covers board members personally against claims tied to decisions made on behalf of the association.
Scenario: a homeowner sues over a disputed rule enforcement
Property Coverage
Covers clubhouses, gates, fencing, and other association-owned structures against damage.
Scenario: storm damage to the clubhouse roof
Umbrella Coverage
Extra liability limits above the base GL and D&O policies, often required by lenders or management contracts.
Scenario: a claim exceeds the association's base liability limits
Crime / Fidelity Coverage
Covers losses if association funds are mismanaged or stolen by a board member, manager, or employee.
Scenario: HOA dues are misappropriated by a treasurer or manager
Workers' Compensation
If the association employs on-site staff — maintenance, security, or front-desk — this covers workplace injuries.
Scenario: a maintenance worker is injured servicing the pool equipment
Next step
Not sure what your association is missing?
Send over your current policy or master deed, or just tell us about your amenities — we'll flag the gaps in about 15 minutes.
Get a coverage checkup