Risk Eligibility

  • Risks with up to five units and no swimming pool
  • Rental units

Contact an Underwriter at 877-742-9875

SUBJECT TO UNDERWRITING REVIEW

  • Up to two losses or claims per coverage line in the last three years

AVAILABLE LIMITS

  • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
  • Property values up to:
    • $1,500,000 in non-coastal zones
    • $500,000 in defined coastal zones (wind exclusion applies)
  • Community association professional limit up to $5,000,000

DEDUCTIBLE/RETENTIONS

  • General liability – $0
  • Property – $1,000
  • Community association professional – $1,000

For condominium associations with more than five units, please refer to the Community Association Package Product Underwriting Guide.

For business or office condominium associations, please refer to the Commercial Condominium Product Underwriting Guide

MOST COMMON INELIGIBLE RISK CHARACTERISTICS

  • Ongoing or anticipated construction
  • Short-term rental exposure controlled by the association or property manager
  • Less than 50 percent of the units occupied
  • Has aluminum or knob and tube wiring
  • Wiring not 100 percent connected to functional circuit breakers
  • Buildings exceeding three stories in height without enclosed firewalls or fire escapes
  • Builder/developer controlled
  • Located in AK, FL, LA or WV

NOTE: Many classes may still be eligible for our Community Association Professional product. Ineligible risk characteristics include, but are not limited to those listed above.

CONTACT AN UNDERWRITER FOR MORE INFORMATION AT 877-742-9875 OR CLICK HERE TO FILE A SUBMISSION