Express Community Associations Umbrella Insurance

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When Primary Coverage Runs Out, We Step In

Lawsuits are unpredictable, but coverage shouldn’t be. Express Community Associations Umbrella steps in when primary coverage is exhausted. In today’s litigious environment, having the right Umbrella policy isn’t just smart—it’s essential.

Easily submit-quote-bind Umbrella coverage through the Broker Connect portal.

Want to save time on Community Associations insurance? Meet CappApp. This powerful tool streamlines the submission process, letting you quickly pre-qualify accounts, enter key details just once, and submit business seamlessly for D&O, Crime, Package, and Umbrella. Available now on the Broker Connect portal.

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What Kind Of Community Associations?

The Express Community Associations Umbrella was designed for:

Condominium Associations (COAs)
Homeowners Associations (HOAs)
Planned Unit Developments (PUDs)
Cooperatives (CO-OPs)
Commercial Condominiums
Mixed-Use Condominiums

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Admitted Coverage in Most States

Well-Maintained & Managed Properties

Up To $10M In Limits

Our Features

Submit Umbrella business on the Broker Connect portal here.

Need additional community associations coverages? Meet CappApp. This powerful tool streamlines the process—quickly pre-qualify accounts, enter key details just once, and seamlessly submit D&O, Crime, Package, and Umbrella coverage on the Broker Connect portal.
- Admitted in most states
- AM Best A- rated carrier
- Limit options: $1M, $2M, $5M, $10M
- Purchasing group with no shared limits
- Agency bill and direct bill options
- Coverage includes follow form D&O
- Nationwide coverage (except Georgia and New York)
- Competitive pricing
- Superior level of claims service and support
- User-friendly Broker Connect Portal for submissions
Occupancy Types:
- Condominium Associations (COAs)
- Homeowners Associations (HOAs)
- Planned Unit Developments (PUDs)
- Cooperatives (CO-OPs)
- Commercial Condominiums
- Mixed-Use Condominiums
Criteria:
- Up to 500 units
- Up to 2 swimming pools
- No restriction on the number of employees
- Up to three owned autos
- Underlying Carrier with AM Best Rating of A- VII or better
All territories except NY, GA and FL counties of Miami-Dade, Broward and Palm Beach. Please see “Florida Eligibility” tab for additional information.

State Eligibility:
- Currently unavailable in Georgia and New York
Occupancy Types:
- Condominium Associations (COAs)
- Homeowners Associations (HOAs)
- Planned Unit Developments (PUDs)
- Cooperatives (CO-OPs)
- Commercial Condominiums
- Mixed-Use Condominiums
Criteria: (See below for Miami-Dade, Broward, Palm Beach counties)
- Up to 500 units
- Up to 2 swimming pools
- No restriction on the number of employees
- Up to three owned autos
- Underlying Carrier with AM Best Rating of A- VII or better
Counties – Miami-Dade, Broward, Palm Beach counties
- Up to 100 units
- Up to 1 swimming pool
- Up to 1 auto
- Up to 1 employee
- No vacation rentals
View Florida Law Milestone Inspections bulletin here.
- Alabama
- Alaska
- Arizona
- Arkansas
- Colorado
- Connecticut
- Delaware
- Florida
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Maryland
- Massachusetts
- Michigan
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
- California
- Louisiana
- Maine
- Minnesota
- New Jersey
- Vermont
- SiriusPoint, A.M. Best Rating A- (XV)
- $1,000,000
- $2,000,000
- $5,000,000
- $10,000,000
- Broad Named Insured endorsement
- Defense Outside Limit
- Pay On Behalf
- Right & Duty To Defend
- Unintentional Errors or Omissions
- Zero Retention
- Advertising Injury
- Auto Liability
- Bodily Injury and Property Damage
- Contractual Liability
- Directors & Officers Liability
- Discrimination
- Employee Benefit Liability
- Host Liquor Liability
- Personal Injury

Commercial General Liability (CGL)	$1,000,000 per Occurrence/ $1,000,000 Personal and Advertising Injury $2,000,000 General Aggregate per Location
Commercial Auto Liability (AL)	$1,000,000 Combined Single Limit
Employers Liability (EL)	$500,000 Each Accident $500,000 Policy Limit-Disease $500,000 Each Employee-Disease
Employee Benefits Liability (EBL)	$1,000,000 Each Occurrence or Each Claim $1,000,000 Aggregate
Garage Keepers Legal Liability (GKLL)	$1,000,000 Each Loss
Directors and Officers Liability (D&O) (Not for Profit Community Associations Only)	$1,000,000 Each Claim (Indemnity) $1,000,000 Each Claim (Defense) $1,000,000 Aggregate Each Association Or $2,000,000 Each Claim (Defense inside the limit) $2,000,000 Aggregate Each Association

All underlying carriers must have an A.M. Best rating of A- VII or better. However, we will provide coverage over Employers Liability placed with certified state funds and/or carriers with an A.M. Best Rating of B++ VI or better.

Endorsement form Directors & Officers Liability on the Commercial General Liability policy is eligible only if the D&O has its own separate unimpeded limit.

Directors and Officers Liability underlying policy must include Duty to Defend wording with regards to Defense.

Personal Lines coverage is not acceptable underlying insurance.

Each of these lawsuits makes a strong case for why community associations need Umbrella coverage. An Umbrella policy provides a cost-effective way to provide higher limits, which will protect a community association from unforeseen liability losses, as well as help avoid the need for a special assessment should the association have insufficient coverage.
- A teenager became a paraplegic after he fell by the swimming pool area of a condo association. The association had a $2-million General Liability policy in place and no Umbrella coverage. The lawsuit filed by the child’s family resulted in a $20 million judgment. Each individual owner was assessed $80,000 to cover the verdict.
- An HOA was found responsible for the death of one child and the traumatic brain injury of another when they fell through the ice at a community’s lake. The jury in the lawsuit found the HOA liable for the damages and rendered a judgment of more than $30 million.
- A jury last year hit a Nevada-based condo association with a $10-million verdict as a result of a serious accident suffered by a child due to faulty playground equipment. The association only had $2 million in General Liability insurance and no Umbrella policy.
- The board of a HOA in Arizona was sued for discrimination after the property manager claimed its new rule prohibited the unit owner from leasing to a family because they had children under age 16. The unit owner filed a lawsuit against the association and its manager, saying the new rule discriminated against tenants based on age and tied his hands in legally renting or selling the condo. The owner also presented emails in which the manager referenced the renters’ race. The plaintiff’s suit asked for damages in excess of $2 million.
- Florida Law Milestone Inspections (Oct. 2024) click here to access

Ready to Submit?

It’s easy. Just go to our online portal and get started. If you haven’t registered as a broker, you’ll need to do that first. And if you need any help, we’re here.

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