Community Associations Package Insurance

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Property & General Liability Coverage

Package – Property & GL Wrapped in One Policy
Our Community Associations Package is the perfect gift for your associations—Property and General Liability coverage in a single, convenient policy. Backed by an A.M. Best Rated A+ XV carrier, it delivers the protection associations need, along with superior claims handling and expert support from professionals who understand the complexities of community associations insurance.

Monoline GL Policy
Our General Liability-only solution is available for community associations in North Carolina and South Carolina. Admitted and available statewide—including coastal areas—it provides a reliable option where our Package product may not be the right fit, while maintaining the same level of carrier strength, claims handling, and support.

Need additional community associations coverages? Meet CappApp. Our multi-product application instantly prequalifies your accounts and allows you to submit all available lines of coverage (Package, Crime, D&O, and Umbrella) at once—no redundant paperwork or repeated data entry, just protection. Located on the Broker Connect portal.

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Comprehensive Coverage

Underwriting Expertise

A+ Rated Carrier

The Community Associations Package Is Designed For:

Condominium Associations (COAs)
Townhouse Associations
Cooperatives (CO-OPs)
Homeowners Associations (HOAs)
Planned Unit Developments (PUDs)
Master Associations
Office Condominiums

Well-Managed & Maintained

Pride Ownership

Up To 500 Units

Flood Insurance Through Wright Flood

Distinguished has partnered with Wright Flood to make adding Flood insurance fast and seamless for your Community Associations clients.

After submitting an eligible application for Package, Umbrella, D&O, or Crime coverage through the Broker Connect portal, you’ll see an option on the Thank You page to add Flood insurance. Just click the link to be redirected to Wright Flood’s quoting platform.

For more information, check out our informational brochure and quick guide to submitting business.

Note: Broker must be actively submitting Community Associations accounts to access the Wright Flood link. If you don’t see the Flood insurance option after submitting an eligible Community Associations application, contact us at [email protected]. Submit Community Associations business on Distinguished’s Broker Connect portal.

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Our Features

Express Submissions
- Online Application – CappApp
- Complete and submit the CappApp via our Broker Connect Portal
- Submit, Quote and Bind for most Express Submissions
- CappApp accepted 75 days prior to Effective Date
Need Help Accessing the Broker Connect Portal?

Tel: (888) 355-4626; Press # or Email: [email protected]

Manual Submissions*
- Package – GL & Property Paper Application
- GL Only – Paper Application (Available in NC & SC)
  - Email: Completed Application and Required Documents to [email protected]
- Required Documents:
  - Statement of Values (SOV)
  - Association Financials or Reserve Study
  - Plat Map
* Additional information may be required. Expect longer response time for Manual Submissions.
- Admitted
- A.M. Best Rating: A+ XV
- User-friendly Broker Portal for submissions
- Eligible: Associations fully developed or under development (no builder’s risk coverage)
- Property Manager as insured
- Insuring Agreement follow forms CC&R
Up to 750 units
- Homeowners Associations (HOAs)
- Planned Unit Developments (PUDs)
Up to 500 units
- Condominium Associations (COAs)
- Cooperatives (CO-OPs)
- Master Associations
- Office Condominiums
- Townhouse Associations (HOAs)
Package (General Liability & Property):

Arizona Maryland Nevada South Carolina

California* Massachusetts Ohio Utah

Colorado* North Carolina Oregon Virginia

Connecticut New Jersey Pennsylvania Washington

*HOAs/PUDs (single-family home assns.) only
- North Carolina
- South Carolina
- Special Form
- Extended Replacement Cost equals 125% of Building Value
- Defense for third-party breach of contract
- Additional Insured includes
  - Manager or Lessor of Premises
  - By Contract
- Property Broadening Endorsement includes:
  - Employee Theft
  - Loss of Maintenance Fees is Actual Loss Sustained
  - Ordinance or Law: A at full limit; B&C 25% of Building Limit/Maximum $1M
  - Pollutant Clean Up $50,000
  - Water Backup of Sewers or Drains $100,000
  - Wind damage to trees, plant and shrubs – covered cause of loss
- Basic AOP deductible as low as:
  - $1,000 for HOA/PUD (w/o habitational bldg.)
  - $2,500 for Condominiums
  - Higher options available
- Definition of Bodily Injury includes mental injury, mental anguish, humiliation, or shock
- Berkley Insurance, A.M Best Rating A+ XV
Highlight Sheets:
- Arizona
- Nevada
- North Carolina (GL & Property Package)
- South Carolina (GL & Property Package)
- Pennsylvania
- Washington
Additional Bulletins:
- North Carolina (Monoline GL)
- South Carolina (Monoline GL)

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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Community Associations Package Insurance

Not Sure if this is the Right Program?