Search CompleteMarkets

Distinguished Programs offers a specialized Community Association Umbrella insurance solution designed to meet the unique liability needs of condominium associations, HOAs, and similar community-based organizations. With flexible excess limits and a streamlined online quoting process, this program is ideal for agents and brokers seeking efficient placement and strong carrier backing for their association clients. Ideal Accounts and Target Classes This program is tailored for not-for-profit community associations across a wide range of structures, including: Condominium Associations (COAs) Homeowners Associations (HOAs) Planned Unit Developments (PUDs) Cooperatives (CO-OPs) Property Owners Associations (POAs) Commercial Condominiums Mixed-Use Condominiums If you have clients managing residential or mixed-use properties with board members, common areas, and shared liability exposures, this umbrella program is a strong fit. It’s particularly well-suited for associations seeking to protect their board and community assets from large liability claims. Coverage Highlights and Advantages Distinguished Programs delivers value through comprehensive coverage, competitive pricing, and A-rated carriers. Key features include: Limits available from $1 million up to $70 million Admitted coverage in most states No shared limits—each insured has dedicated coverage Directors and Officers Liability included for eligible not-for-profit associations Automatic renewals available for most risks One-step online quoting and policy issuance via the Broker Portal Superior claims service and ongoing support Underwriting and Minimum Premium The program features low minimum premiums and competitive pricing structures, making it accessible for associations of various sizes. While underwriting is streamlined through the online portal, submissions are evaluated based on risk characteristics such as number of units, location, loss history, and governance. Availability and Admitted Status This umbrella liability program is available in most U.S. states, including but not limited to CA, FL, NY, TX, IL, and the District of Columbia. Coverage is written on an admitted basis in most available states through A.M. Best A rated carriers. Why Work With Distinguished Programs? As a leading managing general agency (MGA), Distinguished Programs brings decades of experience in community association insurance. Their Express Community Associations Umbrella is backed by trusted carriers and supported by a highly efficient digital platform. You can quote, bind, and issue policies with ease—all while offering your clients robust protection for their community operations. Whether you're placing a 20-unit suburban HOA or a high-rise mixed-use condo association, this program offers scalable limits and tailored solutions to meet your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for not-for-profit community associations, including HOAs, COAs, PUDs, POAs, cooperatives, and mixed-use condominiums. Are the umbrella limits shared among insureds?No, each insured receives their own dedicated umbrella limit—there are no shared limits in this program. Is coverage admitted?Yes, coverage is admitted in most available states, backed by A.M. Best A rated carriers. How can I submit a risk?You can easily submit and quote risks online through Distinguished Programs’ Broker Portal. Are renewals handled automatically?Yes, most eligible risks are set up for an automatic renewal process, streamlining your workflow. Need help placing an account? Connect with a market specialist.