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Two Umbrella Liability Programs Designed Exclusively for Community Associations With over 42,000 community associations served, Ian H. Graham (IHG), through Affinity Specialty Program Network (ASPN), is a market leader in tailored insurance solutions for this niche. The Ian H. Graham Insurance Umbrella Liability Insurance Program offers two distinct options designed to protect residential community associations from catastrophic liability exposures: the Commercial Umbrella and the Low Limit Umbrella. Commercial Umbrella Program Highlights Underwritten by Fireman's Fund, the Commercial Umbrella program provides up to $15 million in excess liability limits for community associations. Unlike most carriers that combine excess and umbrella aggregates, this program offers separate aggregate limits over each scheduled primary policy, including: Premises Liability Products/Completed Operations Liability Liquor Liability Employer’s Liability When paired with an IHG Community Association Directors' & Officers' (D&O) Liability policy, clients receive a 10% premium credit on the umbrella coverage. Key Features: Excess limits up to $15 million Separate aggregate limits by underlying policy Broad Named Insured and Personal Injury coverage Advertising Injury and Automatic Waiver of Subrogation Dedicated umbrella/excess claims specialists Automatic coverage for newly formed or acquired entities Follow-form aggregates per location, policy, and coverage Low Limit Umbrella Program for Smaller Associations This competitively priced option provides up to $2 million in excess liability for smaller residential homeowner and townhome associations. It is ideal for associations that meet the following criteria: Maximum of 300 units No more than three stories high Maximum of two swimming pools Ineligible Risks Include: Associations with owned auto policies (hired & non-owned autos) Employer’s liability coverage Commercial risks Condo/co-op associations Claim History Requirements: No claims over $25,000 in the past 12 months No more than three claims in the past 12 months No severe losses involving death, paralysis, or extensive bodily injury Ideal Accounts and Appetite This program is specifically designed for residential community associations, including HOAs and townhome associations. Whether you're working with a large master-planned community or a smaller residential development, IHG offers options to match the scale and risk profile of your client’s operations. Example accounts might include: A gated townhome community with 280 units, two pools, and no significant claims history A mid-sized HOA with D&O coverage in place looking to expand its liability protection Available States and Admitted Status This program is available on an admitted basis in all 50 states and the District of Columbia, offering broad accessibility and compliance advantages for agents nationwide. Why Work With ASPN and Ian H. Graham Affinity Specialty Program Network and Ian H. Graham bring over five decades of underwriting expertise to the community association market. With dedicated claims teams, flexible underwriting, and access to top-rated carriers like Fireman's Fund, ASPN delivers both protection and peace of mind to your insureds—and confidence to you as their broker. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Insurance license information Frequently Asked Questions What types of accounts are a good fit for this umbrella liability program?The program is designed for residential community associations, including HOAs and townhome associations. The Commercial Umbrella fits larger associations, while the Low Limit Umbrella suits smaller associations with fewer than 300 units and up to two swimming pools. Are there any restrictions on eligibility?Yes. The Low Limit Umbrella does not cover associations with owned auto policies, employer’s liability, commercial exposures, or condo/co-op associations. There are also strict claim history requirements. What are the benefits of placing both D&O and Umbrella coverage with IHG?When you place the Commercial Umbrella over an IHG Community Association D&O policy, your client receives a 10% premium credit on the umbrella policy, creating a cost-effective coverage package. Which states is the program available in?The Ian H. Graham Umbrella Liability Insurance Program is available in all 50 states and the District of Columbia on an admitted basis. What carrier underwrites this umbrella program?The program is underwritten by Fireman’s Fund, a top-rated insurance carrier known for financial strength and specialized products. Need help placing an account? Connect with a market specialist.

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Ian H. Graham Insurance Directors' & Officers' (D&O) Liability Insurance Program Designed Exclusively for Community Associations With more than 42,000 community associations as clients, Ian H. Graham (IHG)—available through Affinity Specialty Program Network (ASPN)—is a leading program administrator for Directors’ & Officers’ (D&O) liability insurance tailored specifically for the unique needs of community associations. Overview of the Program from ASPN This stand-alone D&O liability policy, underwritten by CNA, is crafted to meet the specific exposures faced by community associations. Many commercial package policies offer limited D&O coverage when endorsed, often failing to address crucial risks. In contrast, this program offers a purpose-built solution that includes custom coverages like non-monetary claims, community by-law discrimination, and protection for developers serving on boards. Ideal Accounts and Appetite This program is designed for nonprofit community associations, including: Homeowners Associations (HOAs) Condominium Associations Property Owners Associations Commercial Associations Timeshares and Cooperatives Planned Urban Developments and Master Associations You might have a client managing a mid-size HOA or a commercial mixed-use community seeking broader protection for board members and property managers. This program is a strong fit for those types of risks, especially when more robust D&O terms are needed beyond a basic endorsement. Coverage Highlights and Advantages Key features of the program include: Automatic Coverage for Property Managers: No need for separate policy endorsements when the property manager changes. Softened Hammer Clause: If the insured refuses a settlement offer, CNA will still cover 80% of the additional loss. Mediation Credit: Up to a 50% deductible credit if a claim is resolved through third-party mediation within 60 days. Third-Party Discrimination Coverage: Includes protection for non-employment related discrimination claims. Broad Definition of Insured: Covers current, past, and future board members, employees, volunteers, and property managers. Defense Outside Limits: Legal expenses are paid in addition to the policy limit. Prior Acts and Extended Reporting: Full prior acts coverage, plus optional tail coverage for up to 12 months post-expiration. Comprehensive Claim Definition: Includes civil, criminal, administrative proceedings, and written demands. Developer Coverage: Includes developer board members, with continued coverage after they leave the board. Underwriting Notes and Considerations This is a stand-alone, admitted policy underwritten by CNA. While the premium may be higher than package policy endorsements, the depth of coverage and added protections offer significant value for qualified risks. The underwriting process considers prior litigation and requires proof of expiring coverage for continuity. Territories and Availability The program is available in all 50 states plus the District of Columbia. Whether your client is in California, Florida, Texas, or anywhere in between, you can access this coverage through ASPN. Why Work With ASPN and Ian H. Graham? ASPN and Ian H. Graham bring unmatched expertise in the community association niche. With decades of specialized experience and a longstanding relationship with CNA, they offer a seamless experience for agents and brokers. Their deep understanding of association risks and commitment to tailored solutions make this program a reliable option when you need comprehensive D&O coverage for your insureds. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Insurance license information Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for nonprofit community associations such as HOAs, condo associations, property owner groups, timeshares, and planned developments. How does the stand-alone D&O policy differ from a package policy endorsement?Unlike endorsements that offer limited protection, this stand-alone policy includes custom coverage for unique exposures like non-monetary claims and community by-law discrimination. Is prior litigation a disqualifier for coverage?Not necessarily. Prior and pending litigation is reviewed during underwriting, and coverage may still be available with proof of expiring coverage. Who is considered an insured under this policy?The definition of insured includes the association, its board members (past, present, and future), employees, committee members, volunteers, and contracted property managers. Is this program available nationwide?Yes, the program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.