Condo & Homeowner Association

Product Features

Property:

• TIV in-house limits up to $2,000,000; brokerage capacity $100,000,000+
• Coverage available for buildings, contents, equipment breakdown, clubhouses, recreation center, playground equipment, gates, outside signs, and owner improvements.
• Basic, broad or special form available
• Replacement cost, functional replacement cost or actual cash value

General Liability:

• Primary limits up to $5,000,000; excess limits up to $10,000,000
• Medical payment limit up to $10,000
• Additional interests included at no charge
• Coverage available for streets, roads, playgrounds, pools, and beaches

Optional Coverages:

• Crime, when controls are in place
• Non-owned autos, hired autos, or owned autos for maintenance
• Employment practices liability (see separate product from menu for applications and guidelines)
• Earthquake and DIC (see separate product from menu for applications and guidelines)

Advantages of Writing with Griffin

• Ability to write as a package or monoline
• We have access to multiple markets that allow us to cater to both small and large associations
• High limits available on both property and general liability
• An underwriting department devoted to service
• Ability to write accounts with past claims (submit loss runs with application to speed up the process)

Eligible Risks

• Established community associations where all development and/or construction is completed
• Single-family Homeowner Associations
• Townhouse/Townhome Associations
• Residential Condominium Associations
• Time-share Condominium Associations
• Vacation Condominium Associations
• Cooperative Housing Corporations
• If complex has a pool, it will need to be submitted for underwriting approval

Online Quoting - "Mini" Package

Please note that the quoting link on this page is intended for small COA/HOAs with a maximum of 5 units, and it will bundle a “mini” package of general liability, property, and D&O. 

We can certainly write larger COA/HOAs, but those quoting links are found on other pages:

• Community Association – Professional Liability (Directors & Officers for up to 1,000 units)
• Community Association – Package (Variety of coverages for maximum of 1,000 units: GL, Property, Umbrella, D&O, EPL)

*Coverage may not be available for all accounts or in all states

*Applications will apply to most markets but in certain circumstances additional applications may be needed

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