Coverage

Protects common areas, buildings, and structures owned by the HOA against perils like fire, theft, vandalism, and natural disasters.

Covers legal expenses and damages if someone is injured or their property is damaged within the common areas, or if the HOA is found responsible for injuries or damages elsewhere.

Protects board members and officers from personal liability for decisions made on behalf of the HOA.

Provides additional liability protection beyond the limits of the primary liability policy.

Covers medical expenses and lost wages for employees who are injured while working for the HOA.

Protects the HOA against financial losses resulting from employee theft or fraud.