Community Associations Umbrella Program

Offered by Distinguished Programs

Umbrella Community Associations HOA Umbrella HOA Homeowners Associations (HOAs) D&O Directors & Officers


In 1987 Distinguished Programs pioneered the country's first Real Estate Umbrella Liability purchasing group. Today our Umbrella programs are among the largest in the country - delivering high liability limits at extremely competitive prices. Our Association Umbrella program provides excess coverage over an insured’s underlying liability policies, including Director's & Officer's Liability.


  • Limits from $1 million to $70 million
  • No shared limits
  • Online quoting and policy issuance
  • Follow Form Directors and Officers
  • Crisis Response Coverage
  • No Assault and Battery exclusion
  • No Sexual Abuse and Molestation exclusion


  • Associations (habitational, commercial or mixed used) are defined as:
  • Condominiums
  • Cooperatives
  • Homeowner Associations
  • Planned Unit Developments

About Distinguished Programs

Distinguished Programs is a leading national insurance Program Manager providing specialized insurance programs to brokers and agents with expertise in Real Estate, Community Associations, Hotels, and Restaurants. Property and liability products are distributed through a national network of agents and brokers. Serving the same core markets and partnering with the most stable and reputable carriers, Distinguished Programs’ high-limit umbrella programs remain the clear choice in its specialty areas for superior coverage, competitive pricing, and attentive service. Through thoughtful innovation from 1995, Distinguished Programs fosters growth and opportunities for its brokers, carriers, and employees.

View a full list of our programs and submit business with Distinguished.

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$5M Minimum Premium

Has Pen

Carrier Information

All carriers are AM Best rated A or better


Rating A-VI or better

Rating By A.M. Best

Listing Contact

Joanna Safer Marketing Director

Offered By

Distinguished Programs

11 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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