Overview — Amwins Underwriting: Community Associations (HOA / POA)
The Amwins Underwriting division offers two complementary solutions for homeowners associations, community associations and planned communities. Agents can place property & casualty for common-area exposures through the
Amwins Program Underwriters' Community Association program,
and community association management liability through
Kevin Davis, part of the Amwins Underwriting division.
Together these programs are designed to address typical HOA/POA risks and management liability exposures on large-scale associations and planned communities.
Ideal Accounts and Appetite
Amwins Underwriting targets large community associations with common-area property and liability exposures. Typical fits include associations that own or operate:
- Recreational facilities such as pools, waterparks, and community centers
- Equestrian facilities and riding arenas
- Golf courses and related amenities
- Planned communities, master associations and large-scale HOA/POA portfolios
For management liability, the Kevin Davis offering writes a broad range of association types including condo associations, homeowner associations, co-ops, planned unit developments, commercial condos, resorts and condo-hotels.
Ineligible Risks (Common Restrictions)
The programs are not intended for the following classes:
- Affordable housing or apartment buildings
- Monoline coverage submissions
- Residential condominiums (for property placement, contact your local Amwins broker for direction)
- Senior living facilities and medical centers
- Timeshares, hotels/motels, daycares and schools
- Townhouses/townhomes and operations with high rental exposures
Coverage Highlights and Advantages
- Property & casualty coverage tailored to common-area exposures and amenities.
- Dedicated community association management liability capacity through the Kevin Davis platform — designed for board/director and management-related exposures.
- Underwriting that considers amenity mix (pools, golf, equestrian), maintenance practices, and risk controls specific to associations.
- Access to multiple carriers and markets through Amwins' wholesale/MGA relationships to help place challenging or complex accounts.
Underwriting Notes and Submission Considerations
When submitting, provide clear details on association size, total insured value for common areas, descriptions of amenities, recent loss runs, and governance/management structure. For management liability submissions, include information on board composition, prior claims or litigation, and any risk management or compliance procedures the association follows.
Territories and Availability
These programs are available across a broad footprint: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY.
Why Work with Amwins Underwriting on Community Associations
- Specialized underwriting teams focused on association exposures and amenities.
- Two complementary solutions—property & casualty and management liability—allow brokers to coordinate coverages with a single wholesale partner.
- Experienced placement resources and access to multiple carrier options to improve bind probability on complex risks.
Example Accounts
- You might have a large coastal HOA that operates multiple pools, a clubhouse and a gated entry — Amwins can underwrite the common-area property/liability exposures while Kevin Davis' management liability product covers board/director risks.
- A planned residential community with an on-site equestrian facility and shared golf course — the program can address the unique liability and property exposures posed by specialty amenities.