D&O Liability Insurance for Community Associations Directors and Officers Insurance

Offered by Distinguished Programs

D&O Directors & Officers D & O Liability Community Association D&O


- Easy, Flexible, and Comprehensive -

This coverage is designed to protect not-for-profit community association board members from lawsuits that result from management-related actions or decisions made while they are serving.

Established in 2003, and one of our flagship products, Distinguished's Community Associations Directors and Officers Insurance is top-of-the-line and underwritten by a team renowned for their expertise and commitment to this line of business.

Key advantages:

  • First-dollar defense
  • Defense outside the limit of liability
  • Defense for breach of third-party contract
  • Broad definition of insured - includes those performing property management services
  • One-step, easy online quoting and policy issuance application
  • Financials not necessary to bind
  • Low minimum premium
  • Highly competitive D&O rates for qualified segments
  • Legal Concierge Hotline provides insureds general advice from a nationally recognized and carrier-approved law firm
  • Coverage limits of $1M to $5M (we offer increments of $1M)
  • First-dollar defense
  • Defense for breach of a third-party contract


  • Wrongful termination
  • Violation of employment laws
  • Discrimination
  • Wrongful discipline
  • Negligent evaluation
  • Failure to provide adequate workplace policies or procedures
  • Employment-related misrepresentation
  • Sexual harassment
  • Wrongful failure to employ or promote
  • Wrongful deprivation of career opportunity
  • Retaliation


  • Homeowners Associations (HOAs)
  • Cooperatives (CO-OPs)
  • Property Owners Associations (POAs)
  • Commercial Condominiums
  • Condominium Associations (COAs)
  • Planned Unit Developments (PUDs)
  • Timeshares/Intervals
  • Mixed-use Condominiums

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, stemming back to 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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Tara Hughes Marketing Communications Manager

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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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