Community Associations

Community Association Director and Officer Professional Liability

Announcing our Directors & Officers Liability product designed to meet the unique coverage needs of Homeowners Associations and Condominium Associations.

Target Classes

  • Homeowners Associations
  • Townhome Associations
  • Condominium Associations
  • Planned Unit Developments
  • Mobile Home Parks
  • Office Parks
  • Cooperatives (except in New York state)
  • Retail Associations

Disclaimer: All classes and lines of coverage may not be available in all states. For current availability, please contact a Couch Braunsdorf Specialist.

Submission Requirements

  • ACORD forms
  • Supplemental application will vary by risk
  • 5 years loss runs


  • No exclusion for failure to maintain insurance claims (where available)
  • Breach of Contract coverage (now available in all states)
  • Coverage for both monetary and non-monetary claims (now available in all states)
  • Defense outside the Limit of Liability
  • Lifetime Occurrence Reporting Provision
  • Manager/Management Company automatically named as an Additional Insured
  • Employment Practices Liability included for no additional premium for 10 employees or less
  • Third Party Discrimination and Third Party Harassment coverage (applicable classes)
  • Duty to defend with affirmative allocation wording
  • Defense and Settlement Provision (hammer clause) – 75/25 in favor of the insured
  • Punitive Damages with most favorable venue wording included automatically (where insurable by law, not available in Alabama and West Virginia