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Available Community Associations Insurance Coverage: Crime Directors and Officers Employment Practices Liability Equipment Breakdown Coverage Option General Liability Hired and Non-Owned Automobile Liability Property Community Association Insurance Program from Gateway Specialty Insurance Gateway Specialty Insurance offers a comprehensive Community Association Insurance program designed specifically for independent agents and brokers placing coverage for homeowner and condominium associations. As a wholesale broker with access to trusted carriers like USLI and ACE, Gateway Specialty delivers reliable solutions for a wide range of association risks across most U.S. states. Ideal Accounts and Target Risks This program is ideal for: Condominium associations with up to 500 units Homeowners associations with up to 1,000 units Whether your client oversees a mid-size condo complex or a large master-planned HOA, Gateway Specialty’s program can accommodate a variety of exposures commonly found in community associations. You might have a client managing a 400-unit condominium property with shared amenities such as a pool, clubhouse, and fitness center. Or perhaps a suburban HOA with 850 units in multiple phases. These are the types of risk profiles this program is built to support. Coverage Highlights and Advantages The Community Association Insurance program offers a broad range of coverages that help address the unique risks faced by association boards and property management teams: General Liability – Protection against bodily injury and property damage claims Property – Coverage for buildings, clubhouses, and common areas Directors and Officers – Safeguards board members from personal liability Employment Practices Liability – Covers wrongful termination, discrimination, and similar claims Crime – Protects against theft or dishonest acts Hired and Non-Owned Auto Liability – For associations using rented or employee vehicles Equipment Breakdown – Optional coverage for mechanical or electrical failures Underwriting Guidelines and Premiums Gateway Specialty provides flexible options depending on the association’s size and location: Packaged Property: Available for total insured values up to $1.5 million (not available in AK, HI, LA, FL, and WV) Monoline Property: Limits up to $10 million (non-admitted paper, not available in AK, HI, and FL; ideal for accounts with previous claim activity) The minimum premium for qualifying accounts starts at $735, making this a competitive option for agents placing smaller or budget-conscious associations. Territories and Availability This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, NC, and GA. Monoline property options are written on non-admitted paper and have state-specific availability. Admitted coverage is available in most states through several appointed markets. Why Work with Gateway Specialty Insurance? Gateway Specialty specializes in hard-to-place and niche markets, offering low minimum premiums, no production commitments, and expert account support. Their streamlined quoting process and access to top-rated carriers simplify your work as a retail agent. Whether you need quick turnaround or help with a complex association risk, Gateway Specialty makes it easy to get the coverage your clients need. Email submissions to [email protected] or contact Anthony Vellutato at 877-977-4474 ext 7044 or [email protected] for more information. In addition to nonprofit organizations, Gateway Specialty also offers solutions for allied healthcare and technology accounts. Direct bill and agency bill options are available with several admitted markets. Frequently Asked Questions What types of accounts are a good fit for this Community Association program?Ideal accounts include condominium associations up to 500 units and homeowners associations up to 1,000 units, particularly those managing shared amenities or communal property. Is admitted coverage available for this program?Yes, admitted coverage is available in most states through several appointed markets. Monoline property is written on non-admitted paper where applicable. Can I submit accounts with prior claims?Yes, monoline property coverage is a good fit for accounts with prior claims, especially when placed on non-admitted paper. Underwriting will review each submission individually. What is the minimum premium for this program?The starting minimum premium is $735, making it a cost-effective option for smaller associations. How do I submit an application or get a quote?You can email applications or ACORD forms to [email protected] or contact the underwriting team directly for more information. Need help placing an account? Connect with a market specialist.

Atlas General Insurance Services is a full service program administrator that offers a wide range of insurance solutions. Atlas has expertise in developing and underwriting specialty programs with a variety of insurance carrier partners. Our knowledgeable staff is committed to providing exceptional service and unique options for our clients.