Community Association Package Program from Bailey Special Risks, Inc.
Bailey Special Risks, Inc. (BSR) is proud to offer a comprehensive Community Association Package designed specifically for the needs of community associations, including homeowners associations (HOAs), condo associations, and planned unit developments. This program is underwritten by United States Liability Insurance Group, an A.M. Best A++ rated carrier, providing agents with a trusted market and flexible solutions for their clients.
Ideal Accounts and Appetite
This program is ideal for a wide range of community association risks, including but not limited to:
- Residential condominium associations
- Homeowners associations (HOAs)
- Planned unit developments (PUDs)
- Townhome and villa communities
The program is well-suited for associations with well-maintained common areas, active management, and a solid risk profile. Associations with pools, clubhouses, tennis courts, and other amenities are acceptable if they meet underwriting criteria.
Coverage Highlights and Advantages
This package offers a robust combination of coverages to protect community associations from a variety of exposures. Key coverages include:
- General Liability
- Property Coverage for Common Areas
- Directors and Officers (D&O) Liability
- Crime and Fidelity Bonding
- Umbrella/Excess Liability
- Professional Liability (as applicable)
Applications are streamlined and include:
- Community Association Umbrella Application
- Community Association Professional Liability Application
- Community Association Package Application
Agents can rate and quote eligible Community Association Package business online. If a submission meets the program’s HIT ZONE criteria, a quote is guaranteed every time—making the process faster and more efficient.
Underwriting Notes and Minimum Premiums
This is a non-admitted program, offering flexibility in underwriting and competitive pricing for qualified risks. While minimum premium requirements vary by risk and location, BSR’s streamlined quoting process makes it easy to determine eligibility and pricing quickly.
Territories and Availability
The Community Association Package is available in the following states:
AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY
Why Work With Bailey Special Risks, Inc.?
BSR is a trusted wholesale broker known for its knowledgeable underwriting team and dedication to helping agents find the right markets for hard-to-place and specialty risks. With access to top-rated carriers and user-friendly online quoting tools, BSR makes it easier for agents to place profitable community association business with confidence.
Whether you have a small HOA in the suburbs or a large condo association in a metro area, BSR has the expertise and market access to help you succeed.