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Community Association Package Program from Bailey Special Risks, Inc.
Bailey Special Risks, Inc. (BSR) offers a targeted Community Association Package that addresses the insurance needs of homeowners associations (HOAs), condominium associations, planned unit developments (PUDs), townhome communities and similar common-interest developments. The program is underwritten by United States Liability Insurance Group, an A.M. Best A++ rated carrier, giving agents access to a financially strong market and flexible coverage options.
Ideal Accounts and Appetite
This program matches a broad range of community association risks, including:
Residential condominium associations
Homeowners associations (HOAs)
Planned unit developments (PUDs)
Townhome and villa communities
BSR is comfortable with associations that maintain common areas and have active management. Properties with amenities such as pools, clubhouses, tennis courts, and limited recreational programming are acceptable when they meet underwriting guidelines. Risks with chronic deferred maintenance, high frequency claims, or significant habitational conversion exposures typically fall outside the appetite.
Coverage Highlights and Advantages
The Community Association Package combines core protections most associations need, offered in flexible ways to align with each client’s exposure profile:
General Liability for common-area exposures
Property coverage for association-owned buildings and common structures
Directors & Officers (D&O) Liability to protect board members
Crime and Fidelity bonding to cover employee or volunteer dishonesty
Umbrella/Excess Liability for higher limits
Professional Liability (where applicable) for management errors and omissions
Applications are streamlined for speed and accuracy. Available application forms include:
Community Association Package Application
Community Association Umbrella Application
Community Association Professional Liability Application
Agents can rate and quote eligible accounts online. Submissions that fall within the program’s HIT ZONE receive a guaranteed quote, shortening turnaround and improving placement certainty.
Underwriting Notes and Minimum Premiums
This is a non-admitted program, which provides underwriting flexibility and competitive terms for qualified associations. Minimum premiums vary by state, exposure, and scope of coverage; BSR’s quoting tools help determine eligibility and pricing quickly. Typical declinations include associations with extensive habitational risks, unresolved loss history, or exposures outside published eligibility guidelines.
Territories and Availability
The Community Association Package is available in the following states:
AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY
Why Work With Bailey Special Risks, Inc.?
As a wholesale broker focused on specialty and hard-to-place risks, BSR combines experienced underwriting with fast, user-friendly quoting tools. Agents benefit from:
Access to a top-rated carrier (United States Liability Insurance Group)
Underwriters experienced with community associations and common exposures
Streamlined online rating and guaranteed quotes for HIT ZONE submissions
Support placing programs that require non-admitted flexibility
Example fits: You might have a midsize condominium association seeking combined property, general liability and D&O limits after a recent board turnover; or an HOA with a pool and clubhouse that needs primary liability, crime coverage and excess limits. Both scenarios align with this program’s strengths when the association demonstrates active management and maintained common areas.
Whether the account is a small suburban HOA or a larger urban condo association, BSR provides underwriting expertise and market access to help you place community association business confidently.
Frequently Asked Questions
What types of accounts are a good fit for this Community Association Package?This program is ideal for homeowners associations, condo associations, and planned unit developments with well-maintained common areas and standard amenities like pools or clubhouses.
Can I get a quote online?Yes. Agents can rate and quote eligible community association risks online. If your submission falls within the program’s HIT ZONE, you will receive a guaranteed quote.
What coverages are included in the package?Depending on eligibility, the package can include General Liability, Property for common areas, D&O Liability, Crime/Fidelity, Umbrella/Excess, and Professional Liability.
Is this program available in my state?The program is available in the states listed above (including CA, FL, TX, NY). Check the territories list to confirm availability for your submission.
Who is the carrier for this program?This program is underwritten by United States Liability Insurance Group, an A.M. Best A++ rated carrier.
Need help placing an account? Connect with a market specialist.