Overview of the Program from Advanced E&S Group – Southeast Region
Advanced E&S Group – Southeast Region offers a specialized COMMUNITY ASSOCIATIONS D&O/EPLI Insurance program tailored for agents and brokers seeking reliable markets for residential and commercial associations. This solution is designed to address the unique management liability exposures faced by boards and officers of community associations, including wrongful acts, employment issues, and governance-related claims.
With access to multiple carriers and deep experience in the community association space, Advanced E&S Group provides flexibility, competitive limits, and underwriting insight to help you successfully place your clients' risks.
Ideal Accounts and Appetite
This program is best suited for established and well-managed community associations. Preferred classes include:
- Residential Condominium Associations
- Homeowners Associations (HOAs)
- Retail and Property Owner Associations
- Cooperatives and Dock Associations
- Office and Industrial Parks
- Mobile Home Parks
- Planned Unit Developments
For example, you might have a client managing a 75-unit condominium in a coastal state with a solid HOA board and no recent claims history—this would be a strong fit for the program.
Coverage Highlights and Advantages
- D&O and EPLI Limits: Up to $5,000,000 available for Directors & Officers and Employment Practices Liability.
- Business Owners Package: Available for HOAs under 100 units and includes:
- General Liability: $2,000,000 per occurrence / $4,000,000 aggregate
- Property: Blanket coverage up to $300,000 (excluding buildings)
This comprehensive structure allows agents to provide layered protection for boards of directors, employees, and volunteers within associations, all in one streamlined package.
Underwriting Notes and Minimum Premiums
The program is written on a non-admitted basis through various carriers. Minimum premiums vary by risk size, location, and coverage selected. Underwriting is flexible but focuses on associations with good governance and a clean loss history.
Restricted classes include:
- Master Associations
- Rental Associations
- Condo-Hotels
- Timeshares
Associations with frequent tenant turnover or vacation-rental exposure may fall outside the appetite.
Territories and Availability
The COMMUNITY ASSOCIATIONS D&O/EPLI Insurance program is available in most U.S. states, including but not limited to FL, TX, CA, GA, NY, and NC. Coverage is currently offered in all states except those requiring admitted-only markets. Availability includes DC and all 50 states.
Why Work With Advanced E&S Group?
Advanced E&S Group is a trusted Managing General Agency with deep expertise in community association risks. Their Southeast Region team understands the nuances of local and regional exposures and works closely with agents to tailor solutions that meet the specific needs of each association. With access to a broad range of carriers, they provide flexible solutions, responsive service, and underwriting support that helps agents win and retain business in this niche space.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for residential condominium associations, HOAs, mobile home parks, and planned unit developments with good governance and minimal loss history.
Are business owners packages available for smaller associations?
Yes, BOP coverage is available for homeowners associations with fewer than 100 units, including general liability and property coverage (excluding buildings).
Is this program admitted or non-admitted?
This program is written on a non-admitted basis through various carriers, allowing greater flexibility in coverage and underwriting.
Which states is the program available in?
The program is available nationwide, including DC and all 50 states, subject to eligibility and underwriting requirements.
What are some restricted classes?
Restricted classes include master associations, rental associations, condo-hotels, and timeshares.
Need help placing an account? Connect with a market specialist.