Overview of the Program From Advanced E&S
Our Condo/Homeowner Associations Insurance program addresses the specific liability and property exposures faced by condominium associations, homeowners associations (HOAs), and similar residential communities. Drawing on our access to a variety of E&S markets, we can help brokers place accounts that may not fit standard admitted carriers—whether due to location, loss history, or unique coverage needs. This program is available on a non-admitted basis with flexibility in underwriting and coverage customization.
Ideal Accounts and Appetite
We’re looking to partner with agents and brokers who work with residential communities such as:
- Condominium associations (low-rise, mid-rise, or high-rise)
- Townhome or planned unit developments (PUDs)
- Homeowner associations with shared community amenities
- Cooperative housing associations
We can consider new ventures or associations with prior losses, subject to underwriting. Properties with pools, clubhouses, gated access, or other shared spaces are eligible for review.
Coverage Highlights and Advantages
Our program offers flexible coverage options to protect both the physical property and the liability exposures of the association. Key coverages include:
- General Liability (GL) and Commercial General Liability (CGL)
- Property coverage, including Real & Business Personal Property
- Business Income and Business Interruption
- Assault & Battery
- Fire and Fire Legal Liability
- Inland Marine
- Theft and Glass coverage
- Personal Property of Others
We work with a range of carriers to tailor coverage based on the size, location, and risk profile of each association.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the risk, location, and coverage selected. We evaluate each risk individually and provide fast turnaround on submissions. Our underwriters understand the unique needs of community associations and can help structure a program even when the risk falls outside of standard guidelines.
Territories and Availability
This program is available in the following states: CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, PA, VT, and WI. All coverage is offered on a non-admitted basis through various E&S markets.
Why Work With Advanced E&S
Advanced E&S brings deep experience in surplus lines and a flexible underwriting approach to help you place complex community association risks. Our team works directly with brokers to develop customized solutions, even for hard-to-place accounts. Whether your client is a small HOA with shared green space or a multi-building condo complex with full amenities, we can help you find the right coverage fit.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We’re targeting residential community associations such as condominium associations, HOAs, and co-ops—especially those with shared amenities or unique exposures that may not qualify for standard markets.
Is this program available for new construction or newer associations?
Yes, we can consider new ventures and newly formed associations, subject to underwriting review.
What states is this program available in?
This program is available in CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, PA, VT, and WI.
Are properties with prior losses eligible for this program?
Yes, prior losses do not automatically disqualify an account. Each submission is reviewed individually by our underwriters.
What is the minimum premium for this program?
Minimum premiums vary depending on the specific risk and coverage needs. Contact our underwriting team for a quote.
Need help placing an account? Connect with a market specialist.