Community Association Insurance
Coordinate coverage for your buildings, board and shared spaces with a team focused on community associations. Backed by A-rated paper.
Book time with our association team. Boards, managers, and brokers welcome.
Separate policies, renewal dates and document requests can make insurance harder to manage than it needs to be. Beagle helps you review the coverage together, with a specialist team supporting your association.
Coverage backed by A-rated paper.
Coverage for your residential buildings, garages, pools, cabanas, signs, and common-area structures, with income and restoration features when a loss disrupts operations.
Broad liability with no general aggregate, including hired and non-owned auto, property-damage legal liability, and committee members included as insureds.
Defense costs in addition to policy limits, full prior acts, and protection for elected or appointed board members, committee members, volunteers, and employees.
Discuss crime and fidelity, cyber, umbrella and equipment breakdown with our team. Flood, earthquake, workers’ compensation and other companion coverages may be available through applicable markets, subject to underwriting.
Explore program details and coverage options. Your quote confirms the policies, carriers, limits and renewal dates that apply to your association.
Coverage extends to residential buildings, attached and detached garages, common-area non-residential buildings, structural glass, attached signs, cabanas, courts, fixtures, swimming pools, balconies, foundations, and community personal property such as tools, building supplies, valuable papers, and records.
Maintenance fees and assessments, increased period of restoration, community income, extra expense protection, ordinance or law coverage for undamaged building portions, and equipment breakdown including green upgrade coverage up to $10,000.
Demolition of the undamaged part of the building and increased cost of construction each start at a $300,000 limit. Newly acquired buildings and structures are covered at $250,000; crime coverage at $150,000; and bridges, bulkheads, docks, piers, retaining walls, and wharves at $10,000.
Hired and non-owned auto. Property damage legal liability at $1,000,000. Advertising and personal injury. Garage and parking area legal liability at $25,000 comprehensive and $25,000 collision. Host liquor and contractual liability. Additional insured endorsements for off-premises meetings are included at no charge, and committee members are included as insureds.
Monetary damage claims with defense costs in addition to policy limits, plus defense costs for non-monetary claims. Full prior acts. An extended reporting period of up to three years. Coverage extends to elected or appointed board members, committee members, volunteers, employees, and members acting at the direction of the board, with an option for counsel select.
Beagle HOA generally cannot write associations with an occupancy ratio under 80 percent, or timeshares with less than 70 percent of units or weeks sold. Also ineligible are fire, police, or medical facilities; specified high-rise frame or masonry risks above stated thresholds; water slides; diving boards over one meter; certain wiring, plywood, or piping without a corrective action plan; and contracted operations performed by association employees.
Eligibility is a summary and is confirmed at underwriting.
No buried conditions and no quiet gaps. These are the provisions boards usually discover at the worst possible moment, brought into the open before coverage begins. These are elected coverages, chosen when the program is built and confirmed on the policy issued.
Coverage is not quietly voided because a unit or building sits unoccupied.
Coverage stays in forceNo exclusion for unit owners injured in common areas under medical payment coverage.
Medical payments applyCommittee members and volunteers acting for the board are included as insureds.
Community leaders protectedDirectors and officers coverage includes an extended reporting period of up to three years.
Up to three yearsCoverage for undamaged building portions when codes force a broader rebuild.
Broader rebuild protectedBoards, managers and broker partners work with our association team to review coverage and prepare for renewal.
Talk to the association teamBring the property schedule, governing documents, current policies, renewal dates and recent loss history.
Review the association’s responsibilities, coverage options and renewal needs with our team and your broker, if you use one.
Confirm the proposed terms, documents and certificates. Claims contacts depend on the policy selected; Maverick Claims supports applicable Corgi program claims.
Prepare for your next coverage discussion with your board or broker.
The governing documents determine which parts of a unit the association must insure. Owners still need their own coverage for belongings, personal liability and property assigned to them.
Coordinating coverage does not mean every option is included in a single policy. Your quote identifies the policies and terms selected for your community.
