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The full community association management insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
Trusted by 60+ carrier partners
Required for virtually every management firm
Manager E&O is the line every board dispute lands on. Management contracts and larger clients require it in force. The limit should match the portfolio, and the retroactive date should reach back to when you started managing the client.
Read the Professional Liability guideThe firm controls other people's money across many associations. A crime bond covering employee theft from client accounts is both a contract requirement and the line a board checks first.
Read the Crime & Fidelity guideStandard third-party premises and operations coverage that management agreements require the firm to carry, often naming the association as an additional insured.
Read the General Liability guideNeeded for most contracts and data obligations
A management firm is a concentrated store of owner financial data and a target for wire-fraud schemes. Boards increasingly ask whether the manager carries cyber before renewing.
Read the Cyber Liability guideMandatory once the firm has payroll, and the line an on-site injury falls back on. On-site and maintenance staff drive the class codes and the audit.
Read the Workers Compensation guideDefends the business itself against employment, contract, and ownership disputes that the professional and general liability policies exclude.
Read the Directors & Officers guideDepends on services, staff, and vehicles
Recommended as the book grows or when a large contract sets a minimum limit above the primary policies.
Read the Umbrella Insurance guideNeeded when managers drive personal vehicles between properties, which nearly every firm's staff does on association business.
Read the Hired & Non-Owned Auto guideWorth carrying once the firm has enough employees that a wrongful-termination or harassment claim becomes a realistic exposure.
Read the Employment Practices Liability guideEach coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Send us your current policy and a licensed advisor will benchmark your community association management insurance across 60+ carriers — showing you where the gaps and the savings are. If your program is already solid, we'll tell you. Either way, you get a free expert review.
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