Search CompleteMarkets

... medium-sized superior quality Condominiums, Cooperatives, and Community Assoc...m is ideal for small to mid-sized condominiums, cooperatives, and community as...

...t well include: Residential condominiums and multi-building associations ...d commercial associations such as condominiums, HOAs, planned unit development...

... habitational risks, including condominiums, apartments, and time-share proper...program?This program is ideal for condominiums, apartment buildings, and time-...

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.

Here at Atlas General Insurance Services, we understand the unique insurance needs of apartment and condominium associations. Our Habitational Insurance Program is designed to help agents and brokers place business for clients operating residential habitational properties across the West Coast. This program is built to provide flexible and competitive coverage options for habitational risks in California, Arizona, Nevada, and New Mexico. Whether your client manages a multi-building apartment complex or a mid-rise condominium association, Atlas has a solution tailored to meet their needs. Ideal Accounts and Appetite Our program is a strong fit for: Apartment complexes and multi-family residential buildings Condominium associations Risks with up to 50% mercantile exposure Buildings with four or more habitational units We prefer accounts with a clean 5-year loss history, though we will consider a minimum of 3 years or a combination of loss data and Certificate of Experience (COE) documentation. Properties with up-to-date systems and strong occupancy rates (minimum 85%) are ideal. Coverage Highlights and Advantages Our Habitational Program offers flexible packaging and monoline options: Commercial Package: Property, General Liability, Crime, and Hired/Non-Owned Auto Monoline Options: General Liability or Property only Coverage Limits: Property: Up to $25,000,000 per location General Liability: $1,000,000 per occurrence / $2,000,000 aggregate Crime: Up to $100,000 Program Features: No age restrictions on buildings Enhanced commercial property coverage No broker or inspection fees Included endorsements at no additional charge Options for Apartment Owners, Mortgagee, Loss Payee, and CP1410 endorsements Underwriting Notes and Minimum Premiums This is a non-admitted program written through A.M. Best “A” rated carriers. The minimum premium for both package and monoline policies is $5,000. Eligibility and Required Updates: Roof updates required for buildings over 20 years old Electrical systems must have circuit breakers and copper wiring Rewiring required for buildings constructed before 1950 Plumbing updates required for buildings constructed before 1950 Protection classes 1–5 accepted; classes 6 and 7 require carrier referral Buildings over 25 stories require referral No flood or earthquake coverage offered Territories and Availability This program is available to agents and brokers with clients located in: California (CA) Arizona (AZ) New Mexico (NM) Nevada (NV) Why Work With Atlas General Insurance Services? As a trusted general agency with deep experience in commercial habitational risks, Atlas General Insurance Services provides streamlined access to competitive non-admitted markets. Our underwriting team understands the complexities of habitational exposures and is committed to helping you craft thorough, tailored solutions for your clients. Whether you’re working with a long-standing apartment owner or a newly formed condo association, we’re ready to support you with fast, responsive service and a comprehensive product offering. To learn more or submit a risk, contact us today or visit our Habitational Insurance storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartment complexes and condominium associations with at least four habitational units and limited commercial (mercantile) exposure. Is there a minimum premium requirement?Yes, the minimum premium for both package and monoline policies is $5,000. Are older buildings eligible for coverage?Yes, there are no age restrictions, but older buildings must meet update requirements for roofing, electrical, and plumbing systems based on construction year. What territories is the program available in?The program is available in California, Arizona, New Mexico, and Nevada. Does the program offer flood or earthquake coverage?No, flood and earthquake coverage are not available under this program. Need help placing an account? Connect with a market specialist.

CondoPak: Property and General Liability for Community Associations New Empire Group offers CondoPak, a specialized insurance program designed specifically for small to medium-sized condominium and cooperative associations. This admitted program is underwritten by HDI Gerling and provides a comprehensive package of property and general liability coverages tailored to meet the unique risks faced by community associations. Ideal Accounts and Appetite CondoPak is an excellent fit for residential condo and co-op associations that are fire resistive or joisted masonry construction types. The program targets accounts with total insured values up to $25,000,000. At this time, frame construction buildings are not eligible. You might have a client managing a 40-unit brick condominium complex in a suburban market or an urban co-op with fire-resistant construction—these would be strong candidates for CondoPak. Coverage Highlights and Advantages CondoPak includes a broad suite of coverages and endorsements designed to protect both the property and liability exposures of community associations. Key features include: Earthquake Coverage Ordinance or Law Coverage Backup of Sewers and Drains / Water Damage Employee Dishonesty Equipment Breakdown Flood Coverage (if qualified) In addition to standard protections, the program includes property broadening endorsements and the flexibility to customize coverage to meet the specific needs of your insureds. Underwriting Notes The program is written on admitted paper with an "A" rating by AM Best. Eligible buildings must be fire resistive or joisted masonry and fall within the $25 million TIV limit. Frame construction is not currently accepted. While minimum premium information is not specified, agents can expect competitive pricing and underwriting flexibility for qualifying risks. Territories and Availability CondoPak is available in the following states: AL, CT, DE, GA, IL, IN, KY, ME, MD, MA, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, WV, and WI. Why Work With New Empire Group? As a program administrator with deep expertise in real estate and community association risks, New Empire Group provides agents with a streamlined solution for placing condo and co-op business. Backed by a top-rated carrier and built for ease of quoting, CondoPak offers a compelling combination of broad coverage, underwriting insight, and market access. Frequently Asked Questions What types of accounts are a good fit for the CondoPak program?The program is ideal for residential condominium and cooperative associations that are fire resistive or joisted masonry construction, with total insured values up to $25 million. Does the program accept frame construction buildings?No, at this time frame construction buildings are not eligible for coverage under the CondoPak program. Is this an admitted program?Yes, CondoPak is written on admitted paper and backed by an "A" rated AM Best carrier. Which states is the program available in?CondoPak is available in 25 states, including NY, NJ, PA, MA, GA, IL, and others across the Northeast, Midwest, and Southeast regions. Can coverage be customized for specific client needs?Yes, the program includes broadening endorsements and optional coverages that can be tailored to the unique needs of each community association. Need help placing an account? Connect with a market specialist.

A Custom Approach to Community Association Coverage Our Tailored Community Association Plan (TCAP) offers agents a comprehensive portfolio of insurance products specifically designed to address the unique exposures faced by condominium, townhome and single-family community associations, among others. We provide coverage for enhanced liability and property, full replacement cost, broad crime, equipment breakdown, directors and officers (D&O) liability and more. Using Marshall & Swift — the gold standard for building cost data — we help determine accurate replacement property values to ensure proper coverage amounts in the event of a loss. In addition to brokering to our contract markets for multifamily HOA coverages, we also underwrite two exclusive in-house programs: Wind/Hail Deductible Buyback Program through Lloyd’s of London, typically for properties with TIVs under $100 million (larger risks can be referred as needed) Single-Family HOA Program with Nationwide E&S, providing property, general liability, hired and non-owned auto, crime and D&O coverage in a single package policy Available across the continental U.S., TCAP programs help protect community associations’ property and assets against casualty losses, personal injury claims, property damage and catastrophic events. Coverage extends to directors, officers, trustees, employees, volunteers, committee members and the associations themselves for management liability exposures. Program Highlights Community Associations Institute (CAI) National Members Each community inspected every three years Credits available for property manager and companies with CAI-recognized professional designations Underwritten with an AM Best “A+” (Excellent) rated carrier with a Financial Size Category rating of XV Deductible options from $1,000 and greater A Lloyd’s of London Coverholder

Advanced E&S is a Managing General Agency and Surplus Lines Broker serving the Midwest region. We specialize in placing challenging and unique property and casualty risks, and we offer tailored solutions for a wide range of commercial classes. One of our key offerings is our Condo/Homeowner Associations Insurance program, designed to meet the complex exposures faced by residential communities. Overview of the Program From Advanced E&S Our Condo/Homeowner Associations Insurance program addresses the specific liability and property exposures faced by condominium associations, homeowners associations (HOAs), and similar residential communities. Drawing on our access to a variety of E&S markets, we can help brokers place accounts that may not fit standard admitted carriers—whether due to location, loss history, or unique coverage needs. This program is available on a non-admitted basis with flexibility in underwriting and coverage customization. Ideal Accounts and Appetite We’re looking to partner with agents and brokers who work with residential communities such as: Condominium associations (low-rise, mid-rise, or high-rise) Townhome or planned unit developments (PUDs) Homeowner associations with shared community amenities Cooperative housing associations We can consider new ventures or associations with prior losses, subject to underwriting. Properties with pools, clubhouses, gated access, or other shared spaces are eligible for review. Coverage Highlights and Advantages Our program offers flexible coverage options to protect both the physical property and the liability exposures of the association. Key coverages include: General Liability (GL) and Commercial General Liability (CGL) Property coverage, including Real & Business Personal Property Business Income and Business Interruption Assault & Battery Fire and Fire Legal Liability Inland Marine Theft and Glass coverage Personal Property of Others We work with a range of carriers to tailor coverage based on the size, location, and risk profile of each association. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk, location, and coverage selected. We evaluate each risk individually and provide fast turnaround on submissions. Our underwriters understand the unique needs of community associations and can help structure a program even when the risk falls outside of standard guidelines. Territories and Availability This program is available in the following states: CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, PA, VT, and WI. All coverage is offered on a non-admitted basis through various E&S markets. Why Work With Advanced E&S Advanced E&S brings deep experience in surplus lines and a flexible underwriting approach to help you place complex community association risks. Our team works directly with brokers to develop customized solutions, even for hard-to-place accounts. Whether your client is a small HOA with shared green space or a multi-building condo complex with full amenities, we can help you find the right coverage fit. Frequently Asked Questions What types of accounts are a good fit for this program?We’re targeting residential community associations such as condominium associations, HOAs, and co-ops—especially those with shared amenities or unique exposures that may not qualify for standard markets. Is this program available for new construction or newer associations?Yes, we can consider new ventures and newly formed associations, subject to underwriting review. What states is this program available in?This program is available in CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, PA, VT, and WI. Are properties with prior losses eligible for this program?Yes, prior losses do not automatically disqualify an account. Each submission is reviewed individually by our underwriters. What is the minimum premium for this program?Minimum premiums vary depending on the specific risk and coverage needs. Contact our underwriting team for a quote. Need help placing an account? Connect with a market specialist.

...gram?This program is ideal for condominiums, apartment buildings, commercial a...

Expertise. Solution. Service. MAXIMUM offers a comprehensive Community Association Directors & Officers Liability insurance program tailored for residential and commercial community associations. Designed to protect board members, officers, trustees, volunteers, and property managers from claims arising from decisions made on behalf of their communities, this program offers robust coverage, flexible underwriting, and competitive terms. Ideal Accounts and Appetite This program is best suited for: • Associations with up to 1,000 units • Properties with average unit values up to $1 million Whether your client manages a suburban condominium complex or a mixed-use planned unit development, MAXIMUM can help protect their leadership teams from costly litigation and management exposures. Target Classes Eligible risks include a wide range of community associations: • Condominium association • Office park • Cooperatives (except in New York state) • Planned unit development • Homeowners association • Retail association • Mobile home park • Townhouse association Coverage Highlights and Advantages • Limits available up to $5 million • Defense for breach of contract claims • Coverage for both monetary and non-monetary claims • No exclusion for failure to maintain insurance claims (where available) • Lifetime occurrence reporting period • Manager/management company automatically named as additional insured • Defense costs outside the limit • Duty to defend with affirmative allocation wording • Third-party harassment and discrimination coverage • Employment practices liability included for associations with 10 or fewer employees • Full prior acts coverage • Softened settlement clause covering 75% of defense costs and loss if insured refuses to settle • Punitive damages covered (where insurable by law) • Access to business solution vendors offering HR services, screenings, identity theft protection, and marketing support • A.M. Best A++ rated carrier • Admitted in all states except VT (non-admitted), and not available in WV and LA Underwriting Notes • Retentions start at $1,000 • Retentions vary by state, city, and class The program is not available for the following: • Airports or airstrips • Rental associations • Builder/developer-controlled associations • Sewage treatment facilities • Condo/hotels • Storage associations • Interval ownership • Timeshares • Associations located in LA or WV • Cooperatives in NY state • Associations with more than 1,000 units or average unit values over $1 million • More than two D&O or EPL claims/circumstances in the past five years Territories and Availability This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, IL, and NJ. It is not available in Louisiana or West Virginia, and is written on a non-admitted basis in Vermont. Why Work With MAXIMUM? As a wholesale brokerage with extensive experience in specialty insurance programs, MAXIMUM delivers tailored solutions, responsive service, and strong market access. Our Community Association D&O program leverages our deep industry knowledge to help you protect your clients and grow your book of business. We don’t settle for less than the best—and neither should you. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include condominium associations, homeowners associations, planned unit developments, and similar community associations with up to 1,000 units and average unit values under $1 million. Are property managers covered under this policy?Yes, the manager or management company is automatically named as an additional insured under the policy. Is employment practices liability coverage included?Yes, EPL coverage is included at no additional premium for associations with 10 or fewer employees. Are defense costs included within the policy limits?No, defense costs are outside the policy limit, providing additional protection to the insured. Which states is this program not available in?The program is not available in Louisiana or West Virginia and is written on a non-admitted basis in Vermont. Need help placing an account? Connect with a market specialist.