D&O Premium Ballpark Estimator

Directors & officers (D&O) liability insurance protects volunteer board members from personal financial risk when an owner sues over a governance decision, such as covenant enforcement, an assessment, an architectural ruling, or an election. Boards routinely ask what that coverage should cost before they call an agent, but D&O premiums are not published the way a property renewal cohort can be. This tool gives a deliberately wide ballpark range so a board can sanity-check a number, not a precise quote.

The range moves on a few honest drivers: the type of association (a condo association carries different exposure than a single-family HOA or a large mixed-use community), the number of units (more doors means more decisions, more owners who can sue, and a higher limit), the state (catastrophe and litigation exposure vary widely, with Florida, California, and Texas at the high end), and whether the association has a prior D&O claim or open dispute on record. Enter those four and the estimator returns a low-to-high annual band with the drivers spelled out.