Nonprofit D&O for Community Associations

D&O Liability and EPLI for Community Associations covers legal matters arising from employment matters, breach of duty, and errors and omissions when making decisions on behalf of the association. In community associations, board members' personal assets are at risk for decisions they make while administering association by laws and restrictions.

Nonprofit D&O for Community Associations is available for Progressive-appointed insurance agents through, Progressive's quoting platform. If you are a non-Progressive agent, complete our "Agent Appointment" form and a member of our team will contact you.

  • Limits up to $5,000,000
  • Defense outside the limit
  • Defense costs coverage for breach of contract claims
  • Coverage for non-monetary claims
  • No consent to settlement provision (Hammer Clause)
  • Unlimited extension for claim reporting endorsement
  • Automatic coverage for the Property Management Company
  • BOP GL up to $2,000,000/$4,000,000
  • Property up to $300,000 blanket coverage (excluding buildings)
  • Currently available in DC and 47 states (except LA, WA, WV) with the ability to quote online in these 10 states: CO, FL, IA, ID, IL, IN, KS, NJ, OH, PA

Nonprofit HOA/COA D&O Highlights

Preferred Classes
  • Residential condominium associations
  • Homeowners associations
  • Retail associations 
  • Cooperatives
  • Property owners associations
  • Dock associations
  • Office/industrial parks
  • Mobile home parks
  • Planned unit developments
Samples of Restricted Classes
  • Master associations
  • Rental associations
  • Condo-hotels
  • Timeshares

Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind. All coverage descriptions and claims examples are provided for informational and educational purposes only and are not a representation as to coverage for any particular claim and are not represented to be error free. Coverage for any claim is determined upon the specific facts of the claim, the terms and conditions of the policy and applicable law. For details on the coverage provided by your specific contract of insurance, please refer to your policy. Coverage is subject to underwriting guidelines and may not be available in all states. Limits may be capped for underwriting reasons. Any links to any sites which are not originated by ABA Insurance Services Inc. (ABAIS) are provided only as a courtesy and are not intended to nor do they constitute an endorsement by ABAIS of the linked materials.