Understanding Your Association’s Insurance Program
A community association’s insurance program isn’t a single policy — it’s a coordinated set of coverages that protect the physical property, the organization’s finances, and the volunteer board members who oversee it all.
Most associations need six core coverage types, and each one has requirements shaped by state law, governing documents, and the specific risks your community faces. Whether you’re a board member trying to understand what you’re approving at renewal, or a property manager advising a board on their options, these guides break down each coverage type in plain language.
Master Property / Hazard
The backbone of your association’s insurance program. Covers the physical structure, common areas, and building systems against covered perils.
Read GuideGeneral Liability
Protects your association against bodily injury and property damage claims arising from common areas — the pool deck slip, the parking garage incident, the fallen tree limb.
Read GuideDirectors & Officers (D&O)
Protects your volunteer board members personally against claims alleging wrongful acts in their capacity as directors.
Read GuideUmbrella / Excess Liability
Additional liability coverage above your GL and D&O limits. Most governing documents require it. Most associations are underinsured here.
Read GuideFlood Insurance
NFIP policies have coverage caps that don’t come close to protecting a mid-rise or high-rise association. Private flood markets can fill the gap.
Read GuideFidelity Bond / Crime
Protects association funds against theft or dishonesty by board members, managers, or employees. Florida statute requires it.
Read GuideBe First in Line
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