D&O Liability for Community Associations

Offered by Distinguished Programs


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
  • Defense for non-monetary damage allegations
  • No individual insured vs. individual insured exclusion
  • Punitive damages protection where permitted by law
  • A duty to defend the association and its members
  • A broad definition of claim 
  • Cyber Liability for digital breaches of data, including credit monitoring for affected parties
  • 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
  • Directors and officers
  • Committee members
  • Executives
  • Employees of the association
  • Property management professionals
  • Spousal and estate
  • Trustees
  • Volunteers
  • Builders and developers, as members of the board

Listing Contact

Tara Hughes Marketing Communications Manager

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


Not Covered

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