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METCOM PREMIER 3 COASTAL HOMEOWNER PROGRAM Overview of the P...ry, and seasonal homes in New Jersey coastal counties, especially newer homes ...

...cluding: Apartments Condominiums/Cooperatives Dwellings Tow...

...arget Classes Condominiums / Apartments / Homeowners Associat..., repeated severe losses, or extreme coastal exposure without mitigation may b...

... TARGET CLASSES: Apartments, Condominiums (including owner-occupied with ren... want?Allstar targets apartments, condominiums (including rental exposures), h...

... for residential and high-rise condominiums (building coverage only). Under...mmercial buildings, and high-rise condominiums that need flood coverage above ...

...rred Classes Residential Condominiums Associations Homeowners Associ... managing a 75-unit condominium in a coastal state with a solid HOA board and ...

McGowan Program Administrators Community Associations D&O Insurance Overview of the Program from McGowan McGowan Program Administrators offers a focused Directors & Officers (D&O) Liability Insurance program built for community associations. The program addresses the governance, management, and volunteer exposures that boards, property managers, and association professionals face. Designed for agents and brokers, the offering combines flexible underwriting, carrier access, and coverage tailored to common association disputes — both monetary and non-monetary — so you can place accounts with confidence. Ideal Accounts and Appetite This program fits a broad range of community association types, including: Homeowners associations (HOAs) Condominium associations Cooperatives Townhome associations Planned unit developments (PUDs) Master associations Rental pool associations Property owners associations Timeshare associations Common interest developments Commercial associations and mixed-use condos Typical fits include owner-occupied and mixed owner/rental associations, developer-controlled boards, and metropolitan condo associations. Accounts with standard governance structures and routine assessment collections are strong candidates. Unusual or high-hazard exposures should be submitted for review — McGowan can often consider unique risks but will evaluate on a case-by-case basis. Coverage Highlights and Advantages McGowan’s Community Associations D&O Insurance provides features that respond to the most frequent and costly association claims: Available limits from $1 million up to $5 million Defense and indemnity for monetary claims against insureds Defense-only coverage for non-monetary relief (for example, injunctive actions) Broad definition of insureds: directors, officers, the entity, property managers, volunteers, committee members, employees, and leased employees Defense for third-party contract disputes involving the association Defense for claims alleging failure to obtain or maintain insurance Third-party discrimination coverage Eligibility available for developer-controlled boards These elements help associations manage litigation risk, protect volunteer leadership, and reduce the financial impact of governance-related lawsuits. Underwriting Notes and Minimum Premiums McGowan places this program through multiple carrier partners and offers flexible underwriting solutions. Each account is assessed individually based on exposures, governance practices, claims history, and financial condition. Minimum premiums and final terms vary by carrier and state; submit the risk for a tailored quote and underwriting guidance. Territories and Availability This program is available nationwide — all 50 states and Washington, D.C. Agents can submit accounts from California to Florida and everywhere in between. Coverage placement options may vary by state and carrier, so consult McGowan’s underwriting team for state-specific considerations. Why Work With McGowan on This Business As a program administrator and managing general underwriter, McGowan brings dedicated expertise in community association risk. Their underwriters understand association governance, common dispute drivers, and practical coverage structures. Partnering with McGowan gives you access to multiple carrier relationships, responsive service, and solutions for both stand-alone D&O placements and packaged programs. If you need a reliable market that knows association exposures, McGowan is positioned to help you place and service these accounts effectively. For more information on Community Associations D&O Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and commercial community associations, including HOAs, condominium associations, cooperatives, planned unit developments, and master associations. Does the program cover non-monetary claims such as injunctive relief?Yes. The program includes defense coverage for non-monetary claims, which commonly occur in association disputes seeking injunctive relief or similar remedies. Are developer-controlled boards eligible for coverage?Yes. Associations with boards controlled by developers can be eligible. Underwriting will review the developer relationship and related governance exposures. Who is considered an insured under this policy?Insureds typically include directors and officers, the association entity itself, property managers, committee members, volunteers, employees, and leased employees, subject to policy terms and definitions. In which states is this program available?The Community Associations D&O Insurance program is available in all 50 states and Washington, D.C. Coverage options and carrier availability may vary by state. Need help placing an account? Connect with a market specialist.

...on, DC. MPA can bind coverage for coastal and inland risks alike and supports ...

...e Risks New construction of condominiums, condominium conversions, and town...excluded?Yes. New construction of condominiums, townhouse developments, and pr...

...e vacant portfolios, catastrophic coastal exposures, or accounts with signific...ss control documentation Extreme coastal exposures requiring specialized coastal capacity beyond available DIC opt...