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...s for temporary or long-term use Real estate development land prior to const...vailable in all states?No. The Vacant Land/Vacant Building program is availabl...

...FB) has been a trusted provider of Real Estate Professional Liability (E&O...nsureds gain membership in the Custom Realty Risk Purchasing Group Association...

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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.

...rations, including: Software developers and programmers IT consultants an...s include IT consultants, software developers, tech staffing firms, web design...

...ve Liability is well-suited for: • Real estate developers overseeing ground-up...r property owners—such as developers, landlords, municipalities, or investors—...