Express Community Associations Umbrella Insurance

Easy online submission.

Express Community Associations Umbrella

Outstanding Value


When you combine the expertise, service, dedicated claims handling, and the outstanding value our Express Community Associations Umbrella provides, your clients will thank you. 

You'll also appreciate our easy and efficient online submission via our Broker Portal.

Make it easy to get your clients protected.

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

* Florida - up to 100 units in Palm Beach, Miami-Dade and Broward counties

Hotel Liability Insurance

Up to 500 Units*

Express Real Estate Umbrella

Well-Maintained & Managed Properties

Express Hotel Umbrella

Up to $10M in Limits

Hassle-Free Limits.

Get the limits you need without the hassle of building them yourself. Enjoy the convenience of a ready-to-go product designed for your clients.

Outstanding Value.

When you combine the expertise, service, excess limits, and the outstanding value our Express Community Associations Umbrella provides, your clients will thank you.

Easy Online Submission.

With our online portal, you can submit at your convenience. And if you need support, we're here for that too.

Superior Claims Handling.

We hear from our brokers how important and valuable our dedicated claims management is for both them and their clients. When it counts, we'll be there.


  • Limits from $1M to $10M
  • Directors & Officers Liability for not-for-profit community associations
  • Competitive pricing and low minimum premiums
  • No shared limits
  • Superior level of claims service and support
  • AM Best A- rated carrier

Eligible Property Types Include:

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

Eligibility Requirements – All territories except NY, GA and FL counties of Miami-Dade, Broward and Palm Beach

  • Up to 500 units
  • No more than 2 swimming pools
  • No restriction on the number of employees
  • Maximum of three owned auto
  • Underlying Carrier with AM Best Rating of A- VII or better

Florida Counties – Miami-Dade, Broward, Palm Beach counties 

  • Up to 100 units
  • No more than 1 swimming pool
  • No more than 1 auto
  • No more than 1 employee
  • No vacation rentals

State Eligibility:

  • Currently unavailable in Georgia and New York

Express Umbrella for community associations and smaller real estate schedules is now admitted in select states. Effective immediately, admitted coverage is available in: 

  • Alabama   
  • Arizona   
  • Arkansas   
  • Colorado
  • Connecticut (NEW!)
  • Delaware 
  • Florida (NEW!)
  • Hawaii 
  • Idaho (NEW!)
  • Illinois 
  • Indiana   
  • Iowa  
  • Kansas
  • Kentucky 
  • Maryland 
  • Massachusetts
  • Michigan
  • Mississippi   
  • Missouri
  • Montana
  • Nebraska   
  • Nevada   
  • New Hampshire
  • New Mexico   
  • North Carolina
  • North Dakota
  • Ohio (NEW!)
  • Oklahoma   
  • Oregon   
  • Pennsylvania   
  • Rhode Island   
  • South Carolina  
  • South Dakota (NEW!)
  • Tennessee
  • Texas 
  • Utah
  • Virginia
  • Washington (NEW!)
  • Washington, DC
  • West Virginia
  • Wisconsin  
  • Wyoming

We are actively working on filing for admitted status in the remaining states. 

  • $1,000,000
  • $2,000,000
  • $5,000,000
  • $10,000,000
  • Pay On Behalf
  • Zero Retention
  • Right & Duty To Defend
  • Defense Outside Limit
  • Directors & Officers Liability for not-for-profit community associations
  • No Assault and Battery exclusion
  • Broad Named Insured endorsement
  • No Sexual Abuse and Molestation exclusion
  • Unintentional Errors or Omissions
  • Bodily Injury and Property Damage
  • Advertising Injury
  • Directors & Officers Liability for not-for-profit community associations
  • Host Liquor Liability
  • Discrimination
  • Personal Injury
  • Contractual Liability
  • Auto Liability
  • Advertising Injury
  • Employee Benefit Liability

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)    

*See Form Requirements Below

$1,000,000 Each Claim (Indemnity)
$1,000,000 Each Claim (Defense)
$1,000,000 Aggregate Each Association
$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.


The coverage information outlined here is a guideline only. Please refer to the actual policies for full terms, conditions, exclusions, and limitations. In the event of a conflict between this document and the actual policies, the policies will control.

Umbrella insurance for community associations – Homeowners Associations (HOAs), Property Owners Associations (POAs), Condominium Owners Associations (COAs), and others – provides extra protection once an association maxes out its limits on its underlying policies. This includes the association’s General Liability, Directors & Officers Liability, Commercial Auto Liability, Employers Liability and other primary policies. An Umbrella policy is triggered when the underlying coverages have been exhausted. It can be designed to be follow-form, mirroring an association’s underlying coverage while increasing its limits. In some cases, the Umbrella policy is broader than the primary policies.

The number-one reason for obtaining Umbrella insurance for a community association is to properly protect an entity in the event of a significant, unforeseeable loss. Lawsuit settlement damages and verdicts today can easily exceed$1-$2 million dollars, and underlying policies are not designed to respond to catastrophic losses. Here are some examples of the types of losses that could upend the financial health of an association:

  • 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.

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. 

Ready To

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. 


Express Community Associations Umbrella Insurance

Enjoy the ease of a ready-built Express Community Associations umbrella.

Emergency Swimming Pool Telephones

Swimming Pool Safety for Condominium and Homeowner Associations