Community Association Directors & Officers Insurance

Community Association Directors & Officers and their Brokers can rest easy knowing their two most important assets,  their property value and their lifestyle are being protected when they “Think McGowan.”

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.

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Product Overview

Eligible “Not For Profit” Associations:

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

Products: Directors & Officers Liability (Including EPLI)

Limits: $1MM–$5MM (Follow form Umbrella and excess D&O can be coordinated with other MPA divisions and McGowan facilities.)

Carrier: “A” Rated Carriers/Admitted Paper

Territory: All 50 States

Special Coverage(s) and features include, but are not limited to:

  • 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

Extensive Library of Education Materials, Articles and Seminars

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For More Resources Contact: Joel Meskin


Partnering with McGowan

With such a wide variety of insurance products and services available, volunteers serving on community association boards can sometimes be overwhelmed with what is necessary to protect  community association assets. As a leading provider of insurance products for community associations across the country, MPA knows the importance of having excellent Directors and Officers Liability coverage.

Partnering with MPA is enhanced by the expertise developed by MPA’s participation with the Community Association Institute (“CAI”) and the Foundation for Community Association Research (“FCAR”).  This MPA Division is lead by Joel W. Meskin, Esq., who is a CAI Community Insurance Risk Management Specialist (“CIRMS”), a Fellow of the College of Community Association Lawyers (“CCAL”), a Management Liability Insurance Specialist (“MLIS”), a member of the FCAR Think Tank, Chair Elect of the CAI Business Partner Council, a member of the CAI National Board of Trustees (2017/2018) and holds the Educated Business Partners Distinction.

When brokers partner with MPA as their primary insurance resource, they also gain additional benefits with our risk management services and extensive library of educational materials, articles and seminars. By utilizing the “Power of the Pen,” MPA creates uniquely tailored insurance products giving brokers the confidence that they are providing their clients with state of the art protection.

Download: Community Association D&O Information

Directors & Officers Applications

Download: McGowan D&O Insurance Application
Download: Supplemental Claim Application

Pricing indications are subject to receipt of a fully completed, signed and dated application. However, so long as the exposures do not materially change from the indication stage to the quote stage, the pricing and coverage should not vary.

To Obtain An Indication

Agents may choose one of the following:

  1. Submit “any” directors and officers application to obtain quick pricing and coverage indications from McGowan Program Administrators.
  2. Submit ON-LINE at
  3. Submit a down-loadable and writable MPA application (above).
  4. Submit a COPE spreadsheet listing all a management company’s managed associations for a full book indication.

To Bind Coverage

The following items are required to bind coverage:

  1. A written request to bind on or before the requested effective date;
  2. A fully completed, signed and dated MPA D&O application;
  3. Supplemental Claims application (if applicable);
  4. Compliance with any other indicated subjectivity.

Contact:  Patty Satayathum  or Sara Traylor


Click Here For Our Newest Community Association Risk Management Packet!