Property
One of the most major aspects of a Common Interest Development's (CIDs) master insurance policy is the coverage for the Association's property.
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General Liability
Commercial General Liability (CGL) is one of the most crucial aspects of insurance that a community association will carry.
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Directors & Officers
Directors & Officers (D&O) coverage is a liability coverage meant to protect a community's volunteers and employees from being held personally liable for decisions made in good faith for the association.
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Fidelity/Crime
Fidelity coverage provides protection for associations in the event of embezzlement/theft of the association's financial assets by officers, directors, employees, and all others involved in the administration of the association's funds.
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Workers Compensation
Workers Compensation insurance provides coverage for employees/board members/officers/appointed volunteers of the association in the event that one or more of those parties is injured during duty toward the association.
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Umbrella/Excess Liability
The liability umbrella policy is meant to provide an extra layer of protection across all liability coverage forms when it comes to an association's insurance program.
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Earthquake
Earthquake coverage is a coverage not provided in the standard fire policy of your association's insurance coverage. It must be purchased separately, and is a coverage that is both important and complex.
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Flood
Flood coverage is a coverage not provided in the standard fire policy of your association's insurance coverage. It must be purchased separately and it is a coverage that is both important and complex.
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