Condominium and Homeowners D&O Insurance Program from J.M. Wilson
J.M. Wilson Corp. offers a specialized Condominium and Homeowners Directors & Officers (D&O) insurance program designed for community associations, boards, and management companies. The program can be offered as a stand-alone D&O policy, as part of a package, or combined with umbrella limits — giving you flexible placement options to match a client’s size and exposures.
Ideal Accounts and Target Classes
The program targets community associations that operate and maintain shared spaces and amenities. Typical classes that fit well include:
- Residential condominiums and multi-building associations
- Homeowner associations (HOAs) and master associations
- Cooperatives
- Planned unit developments (PUDs)
- Mobile home parks, RV and trailer parks
- Timeshares and townhome communities
- Office and retail property owners associations
Examples you can place: a multi-building condo association with clubhouse, pool and tennis courts; or a mobile home park responsible for common area upkeep and tenant relations. J.M. Wilson’s appetite covers a broad range of community sizes and amenities, with underwriting tailored to each account.
Coverage Highlights and Advantages
This program is structured to protect individual board members, the management team, and the entity itself. Key features include:
- Defense costs outside the limit of liability
- Breach of contract coverage
- Full prior acts (retroactive) coverage available
- Manager or management company automatically named as additional insured
- No libel, slander, or defamation exclusion — coverage for reputational allegations
- Specific coverage for common areas such as clubhouses, pools, playgrounds, roads and exercise facilities
- Broad definition of insureds: directors, officers, entity, employees, volunteers and committee members
- D&O written on a claims-made form; general liability on an occurrence form; property on a special form
- All coverage offered through a single carrier with separate limits of liability
- Placement with A.M. Best A+ rated markets where available
Underwriting and Policy Structure
J.M. Wilson places this program through both admitted and non-admitted markets to give you the flexibility needed for complex or borderline risks. Underwriting focuses on governance practices, reserve funding, maintenance programs, claims history, and manager/board experience. Policies are tailored with options for D&O limits, general liability, property schedules, and umbrella layers as needed.
Appetite and Typical Restrictions
Strong fits are associations with professional management, documented reserve studies, and routine maintenance procedures. Accounts with chronic assessment collection issues, significant unresolved litigation, or major deferred maintenance may require additional underwriting steps or risk remediation before binding.
Territories and Availability
This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Availability may vary by carrier and state; contact J.M. Wilson to confirm current appetite in a given territory.
Why Partner With J.M. Wilson?
As a Managing General Agency and Excess & Surplus Lines broker, J.M. Wilson combines deep association underwriting experience with market access. Their team works with a roster of admitted and non-admitted carriers to place difficult or specialty community association risks. Working with J.M. Wilson gives you:
- Underwriting expertise focused on community association exposures
- Flexible placement options across admitted and E&S markets
- Customizable policy packages and coordinated limits across coverages
- Responsive service to help you quote and bind accounts efficiently
Need help placing an account? Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for residential and commercial associations such as condominiums, HOAs, planned unit developments, mobile home parks, and office or retail associations.
What coverage forms are used in this program?
Directors and Officers liability is written on a claims-made form, general liability is written on an occurrence form, and property coverage is written on a special form.
Can the property manager be included under the policy?
Yes. The property manager or management company is automatically named as an additional insured under this program.
Is prior acts coverage available?
Yes. Full prior acts (retroactive) coverage is available for the Directors & Officers portion of the policy.
In which states is this program available?
J.M. Wilson offers this program in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Need help placing an account? Connect with a market specialist.