Community Associations Directors & Officers Insurance

McGowan Program Administrators (“MPA”) Community Associations Directors & Officers Program protects the individuals who voluntarily serve on association Boards of Directors as well as the association itself and all those who assist the Boards.  This includes employees, committee members, community association managers and other volunteers assisting at the direction of the Board. MPA’s products and services reduce risks and ensures state of the art protection.

Have questions? Contact Patty Satayathum or Sara Traylor for more information.

Looking for special event insurance for your community association? Click here to learn more!

Get an Online Indication

Community Association D&O Application

Supplemental Claim Application

Community Association D&O Brochure

Product Details

ELIGIBLE "NOT FOR PROFIT" ASSOCIATIONS

  • Condominiums
  • Single Family HOAs
  • Cooperatives
  • Masters
  • Property Owners
  • Commercial
  • Timeshares
  • Townhomes
  • Mixed Use

CARRIER

A.M. Best “A” Rated Carriers/Admitted Paper or higher

HIGHER LIMITS & EXCESS COVERAGE

  • D&O/EPLI limits $1MM to $5MM
  • Excess D&O or Umbrella Coverage Available.

TERRITORY

All 50 States

Special Features & Coverages

  • Defense and indemnity of monetary claims
  • Defense of non-monetary claims
  • Broad definition of Insured including directors, officers, trustees, the entity, community association/property manager (“CAMS”), volunteers, committee members, employees and leased employees
  • Defense of breach of third party contract claims
  • Defense of failure to maintain or obtain insurance claims
  • Third party non-employee discrimination claims
  • Employment Practices Liability and Employee Discrimination claims
  • Full Prior Acts Coverage
  • Broad Definition of Wrongful Acts
  • Personal Injury Offense and Publishers Liability Coverage

TO OBTAIN QUOTES

  1. Indication
    • Any completed Competitor new business application
    • Submit on-line at MyMcGowan
    • Submit a MPA writeable application
    • COPE Spreadsheet
  2. Bindable Quote
    • Fully completed signed and dated MPA application
    • Compliance with all subjectivities

TO BIND COVERAGE

The following items are required in order to bind coverage:

  1. A written request to bind on or before the effective date.
  2. A fully completed application and any Claim Supplemental applications that may apply if applicable

Resources

Animal Policies in Community Associations

Email Policies in Community Associations

HOA Management: A Guide to Understanding and Mitigating Risk