https://completemarkets.com/company/distinguishedprogramsgroup/Community-Association-Package-Insurance/
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.