Common-Element Master Property
Covers the shared structures and land the association owns at replacement cost, meeting the property standard lenders apply to PUD projects.
What Planned Unit Development insurance covers
The full planned unit development insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for every PUD association
General Liability
Common-area injuries are the most frequent claim, and the association maintains the private roads, trails, and amenities where they happen.
Read the General Liability guideDirectors & Officers (D&O)
PUD boards enforce covenants on fee-simple homes, which invites architectural and enforcement suits. D&O defends the volunteers.
Read the Directors & Officers guideRecommended
Needed for warrantability and older structures
Fidelity / Crime Bond
The governing documents and lenders drive the bond for a PUD, protecting the association's dues and reserves against theft by a board member or manager.
Read the Crime & Fidelity guideOrdinance or Law
Older common-element buildings carry code-upgrade gaps the master property limit alone will not cover after a loss.
Equipment Breakdown
Gates, pumps, and clubhouse systems fail without warning and sit outside standard property coverage.
Situational
Depends on structure and amenities
Umbrella / Excess Liability
Recommended once an amenity injury or enforcement class action could exceed the primary limit, or a lender requires it.
Read the Umbrella Insurance guideWorkers Compensation
Standard once the association staffs its amenities or hires maintenance crews directly.
Read the Workers Compensation guideMaster / Sub-Association Coordination
Needed in layered PUDs so common-element coverage and liability are arranged cleanly across the master and sub-associations.
Go deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your current policy and a licensed advisor will benchmark your planned unit development 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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