Search CompleteMarkets

...rmanent foundation -Individual condominiums or townhouse units ...

...l office or retail spaces, and condominiums that are temporarily unoccupied du...

Program Highlights for Vacant Dwelling Insurance: Managing vacant dwelling insurance can be a challenge...tes is this program available in?The Vacant Dwelling Insurance program is avai...

Policy Highlights for Condominium Insurance: Colonial General Insurance Agency, Inc. offers a targeted Condominium Insurance program for established community associations where construction and development are complete. This program is built for independent retail agents and brokers who need flexible property, liability, and crime solutions for community associations. Best-fit account types: Single-family homeowner associations (HOAs) Townhouse and townhome associations Residential condominium associations Time-share condominium associations Cooperative housing corporations The program is available to retail agents and brokers in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can place risks in both admitted and non-admitted markets depending on the state and the account’s profile, giving you more options for harder-to-place exposures. Coverage Highlights and Available Options Property coverage (examples): Accounts Receivable Basic, Broad, or Special Form coverage Building and contents (including common-area property) Business Income / Extra Expense Computer equipment Equipment breakdown Inland marine for scheduled property Outside signs Replacement cost or actual cash value valuation Valuable papers and records Commercial General Liability (CGL): Primary limits available up to $3 million (per occurrence/aggregate) $5,000 Medical Payments included Hired and Non-Owned Auto Liability available Additional insureds / additional interests included at no additional cost where applicable Excess / Umbrella limits available up to $25 million No liability deductible required on many programs Crime Coverage Options: Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage Ideal Accounts and Appetite Colonial General targets well-established, professionally managed residential associations with completed infrastructure and routine maintenance practices. Typical appetites include communities with standard exposures, stable operations, and limited recent losses. Accounts NOT appropriate for this program include new developments, associations still under construction, or projects with significant ongoing developer activity. Example scenarios that often fit: You represent a 150-unit condominium community in Colorado with shared amenities, professional management, and minimal claims history — a good candidate for a combined property and liability placement through Colonial General. A managed townhome association in Nevada seeking property replacement-cost coverage plus a modest umbrella — Colonial General can access admitted or E&S markets to provide options. Why Place Business With Colonial General? As a Managing General Agency and E&S broker, Colonial General combines broad underwriting experience with access to multiple carrier markets. That mix makes the program useful when standard markets are limited or when you need a tailored placement that combines property, liability, and crime coverages. Colonial General emphasizes responsive service, flexible terms (admitted and non-admitted where available), and consolidated placements to reduce carrier fragmentation for your client. Territories and Market Access This Condominium Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place business in admitted markets where available and in non-admitted (E&S) markets when necessary to secure appropriate terms. Underwriting Notes and Minimum Premiums Underwriting is risk-specific. Minimum premium requirements and binding authority vary by carrier and account size. Submit a full exposure summary, copies of declarations pages, loss runs, and details on management and maintenance practices to get the most accurate underwriting response. Frequently Asked Questions What types of accounts are a good fit for this program? Well-established residential community associations — HOAs, townhome communities, and condominium associations with completed construction and professional management are ideal. Is new construction or development eligible? No. The program is designed for completed and operational associations. Associations still in construction or active development are not eligible. Which states is this program available in? The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier and whether admitted markets are offered in a given state. Can I write property and liability together? Yes. Coverages can be written mono-line or packaged to include property, general liability, and crime options depending on the account and carrier appetite. Are there minimum premium requirements? Minimums vary by carrier and account. Contact Colonial General for specific underwriting guidelines and minimum premium thresholds for your submission. Need help placing an account? Connect with a market specialist.

... TARGET CLASSES: Apartments, Condominiums (including owner-occupied with ren...sures, and properties that have been vacant for multiple years. Are vacant properties eligible?Yes. Vacant properties can be considered and, in many cases, multiple years vacant is acceptable. Eligibility and ter...

Expertise. Solution. Service. Vacant Land Insurance Program from MAXIMUM MAXIMUM offers a focused Vacant Land insurance program tailored for a...ccounts are a good fit for MAXIMUM’s Vacant Land program?This program fits vacant lots and parcels up to 1,000 acres...

...waiting sale or renovation Condominiums and apartment units Foreign-ow...xposures. Can you write coverage for vacant or seasonal homes?Yes. We place both vacant and seasonal dwellings, including ...

...ef Unit Owner’s Coverage for Condominiums Optional Day Care Liability (up to 5 children) Residential Vacant Land Liability This flexibility allo...ce risks. Can I write coverage for a vacant residential dwelling awaiting sale?Yes, our program is well-suited for vacant dwellings, including those tempora...

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.

...its (sweet spot: 2–15 units) Condominiums, co-ops, brownstones, and mixed-us...