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 Directors & Officers 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 mix used) defined as:
  • Condominiums
  • Cooperatives
  • Homeowner Associations
  • Planned Unit Developments


$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 Contacts

Tara Hughes Marketing Specialist

+1 more contact

Offered By

Distinguished Programs

10 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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