With over 42,000 community associations served, Ian H. Graham (IHG), through Affinity Specialty Program Network (ASPN), is a market leader in tailored insurance solutions for this niche. The Ian H. Graham Insurance Umbrella Liability Insurance Program offers two distinct options designed to protect residential community associations from catastrophic liability exposures: the Commercial Umbrella and the Low Limit Umbrella.
Commercial Umbrella Program Highlights
Underwritten by Fireman's Fund, the Commercial Umbrella program provides up to $15 million in excess liability limits for community associations. Unlike most carriers that combine excess and umbrella aggregates, this program offers separate aggregate limits over each scheduled primary policy, including:
- Premises Liability
- Products/Completed Operations Liability
- Liquor Liability
- Employer’s Liability
When paired with an IHG Community Association Directors' & Officers' (D&O) Liability policy, clients receive a 10% premium credit on the umbrella coverage.
Key Features:
- Excess limits up to $15 million
- Separate aggregate limits by underlying policy
- Broad Named Insured and Personal Injury coverage
- Advertising Injury and Automatic Waiver of Subrogation
- Dedicated umbrella/excess claims specialists
- Automatic coverage for newly formed or acquired entities
- Follow-form aggregates per location, policy, and coverage
Low Limit Umbrella Program for Smaller Associations
This competitively priced option provides up to $2 million in excess liability for smaller residential homeowner and townhome associations. It is ideal for associations that meet the following criteria:
- Maximum of 300 units
- No more than three stories high
- Maximum of two swimming pools
Ineligible Risks Include:
- Associations with owned auto policies (hired & non-owned autos)
- Employer’s liability coverage
- Commercial risks
- Condo/co-op associations
Claim History Requirements:
- No claims over $25,000 in the past 12 months
- No more than three claims in the past 12 months
- No severe losses involving death, paralysis, or extensive bodily injury
Ideal Accounts and Appetite
This program is specifically designed for residential community associations, including HOAs and townhome associations. Whether you're working with a large master-planned community or a smaller residential development, IHG offers options to match the scale and risk profile of your client’s operations.
Example accounts might include:
- A gated townhome community with 280 units, two pools, and no significant claims history
- A mid-sized HOA with D&O coverage in place looking to expand its liability protection
Available States and Admitted Status
This program is available on an admitted basis in all 50 states and the District of Columbia, offering broad accessibility and compliance advantages for agents nationwide.
Why Work With ASPN and Ian H. Graham
Affinity Specialty Program Network and Ian H. Graham bring over five decades of underwriting expertise to the community association market. With dedicated claims teams, flexible underwriting, and access to top-rated carriers like Fireman's Fund, ASPN delivers both protection and peace of mind to your insureds—and confidence to you as their broker.
All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.
Insurance license information
Frequently Asked Questions
What types of accounts are a good fit for this umbrella liability program?
The program is designed for residential community associations, including HOAs and townhome associations. The Commercial Umbrella fits larger associations, while the Low Limit Umbrella suits smaller associations with fewer than 300 units and up to two swimming pools.
Are there any restrictions on eligibility?
Yes. The Low Limit Umbrella does not cover associations with owned auto policies, employer’s liability, commercial exposures, or condo/co-op associations. There are also strict claim history requirements.
What are the benefits of placing both D&O and Umbrella coverage with IHG?
When you place the Commercial Umbrella over an IHG Community Association D&O policy, your client receives a 10% premium credit on the umbrella policy, creating a cost-effective coverage package.
Which states is the program available in?
The Ian H. Graham Umbrella Liability Insurance Program is available in all 50 states and the District of Columbia on an admitted basis.
What carrier underwrites this umbrella program?
The program is underwritten by Fireman’s Fund, a top-rated insurance carrier known for financial strength and specialized products.
Need help placing an account? Connect with a market specialist.