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.

Distinguished Programs offers a specialized Community Association Package Insurance program designed by real estate insurance veterans. This comprehensive solution is built specifically for community associations, including HOAs, COAs, CO-OPs, and PUDs, with 500 units or fewer. The program combines tailored Property and General Liability coverage with optional enhancements such as D&O, Crime, Umbrella, and Workers’ Compensation — all with a single carrier. Ideal Accounts and Appetite This program is available exclusively to a select group of brokers and is ideal for: Condominium Associations (COAs) Homeowners Associations (HOAs) Cooperatives (CO-OPs) Planned Unit Developments (PUDs) Associations with up to 500 units If you work with self-managed or professionally managed community associations that require specialized protection and streamlined coverage, this program is built for you. Coverage Highlights and Advantages This package includes broad property and liability coverage designed to align with association governance documents — no need to submit CCRs. Key features include: Broad building and insured definitions Many community structures automatically included Guaranteed Replacement Cost valuation Covers defense for third-party breach of contract claims Employee Theft and Loss of Maintenance Fees (Actual Loss Sustained) Pollutant Clean-Up ($50,000) and Water Backup ($100,000) Mental anguish and similar non-physical injuries included under Bodily Injury Special Form coverage and Ordinance or Law coverage (A at full limit, B & C up to 25% / $1M max) Automatic Additional Insureds: by contract and Manager/Lessor of Premises Underwriting Notes A basic All Other Perils (AOP) deductible of $2,500 applies, with other options available. The program is non-admitted and exclusively distributed through a limited number of appointed brokers. If you are not yet appointed, reach out to your sales contact at Distinguished Programs to inquire about access. Territories Available This program is available in the following states: AZ, CA, CO, CT, DE, IL, MD, MA, NV, NH, NJ, OH, OR, PA, VA, and WA. Why Work With Distinguished Programs? As a leading program administrator with deep expertise in real estate risks, Distinguished Programs delivers tailored coverage, underwriting efficiency, and a full suite of association-focused solutions. Their superior claims handling and streamlined submission process help you serve your community association clients with confidence and speed. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for community associations with 500 units or fewer, including HOAs, COAs, CO-OPs, and PUDs. Is this program available nationwide?No, it is currently available in select states including AZ, CA, CO, CT, DE, IL, MD, MA, NV, NH, NJ, OH, OR, PA, VA, and WA. Can I access this program if I'm not currently appointed?Access is limited to select brokers. Contact your sales representative at Distinguished Programs to request appointment or learn more. What documentation is required to submit a risk?This program does not require CCRs for submission, making the process faster and more efficient. What optional coverages can be added to the package?You can enhance the package with Directors & Officers, Crime, Umbrella, and Workers' Compensation coverage. Need help placing an account? Connect with a market specialist.

...out full-service amenities like restaurants or conference centers. Think of br...ewer amenities, such as no on-site restaurants or conference services. What li...

...e pricing with value-added risk management services Underwriting Notes and ... mixed-use property accounts. Risk management services and competitive pricing...

...sive service, and built-in risk management tools make this program a strong ch...

...stands the operations and risks associated with these classes, making it easie...

...m potential liability exposures associated with hosting guests in a private su...