What We Write Apartments, LROs, HOAs

See Michelle’s Full List of Target Products

When proposing all the different coverages needed for these risks, be sure to do so with a professional proposal template. Download our free templates here.

Don’t see what you are looking for? Please call 1-800-922-7283 or contact your underwriter for more information about additional classes of business.

Apartments

Target Clients:
  • Mixed use occupancies
  • New ventures and new purchases eligible
  • Package or mono-line general liability
  • Umbrella limits up to $25,000,000
  • Preferred to non-standard risk
Coverages:
  • Property
  • General Liability
  • Business Income
  • Building Ordinance
  • Equipment Breakdown
  • Hire & Non-Owned Auto Liability
  • Umbrella
  • Workers’ Compensation
Requirements:
  • Acord application submission
  • Building breakdown by units, square footage & building values
  • Currently dated 4 year loss runs
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Business Park Association – Common Areas Only

Target Clients:
  • Commercial buildings owned by individual association members
  • Office to industrial park exposures
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Community Associations & Homeowners Association – Residential Common Areas Only

Target Clients:
  • Small to large single-family home community associations
  • Townhome associations responsible for non-residential components
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA,TN, TX, UT, WA

Condominium Association – Commercial

Target Clients:
  • Mixed use occupancies
  • Office to Industrial Park Exposures
  • No building age restrictions
  • New ventures eligible
  • No building height restrictions
  • Package or mono-line general liability
  • No more than 2 claims in 3 years with no open claims
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Excess Liability up to $5 million
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • Building breakdown by units, square footage & building values
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Condominium Association – Residential

Target Clients:
  • Mixed use occupancies
  • No building age restrictions
  • New ventures eligible
  • No building height restrictions
  • Package or mono-line general liability
  • Preferred to non-standard risk
  • No more than 2 claims in 3 years with no open claims
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • Building breakdown by units, square footage & building values
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Cyber Liability

Target Clients:
  • Small to large single-family home community associations and Commercial buildings owned by individual association members
  • Townhome associations responsible for non-residential components
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
  • Office to industrial park exposures
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Directors & Officers Liability

Target Clients:
  • Small to large single-family home community associations and Commercial buildings owned by individual association members
  • Townhome associations responsible for non-residential components
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
  • Office to industrial park exposures
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Family Dwellings 1-4 Units

Target Clients:
  • Residential buildings with 1-4 units
  • Dwellings owned by individuals or entities for rental investment purposes
  • New ventures and new purchases eligible
  • Locations that are leased on an annual or seasonal basis
  • Owner-occupied buildings as long as one or more units are tenant occupied
  • Package or mono-line general liability (Property coverage not available in CA)
  • Can be written as a single location or on a schedule
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility:AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Fidelity Community Association

Target Clients:
  • Business Park Condominium and/or PUD
  • Community Associations
  • Condominium Associations
  • Homeowners Associations
  • Mixed Use
  • Planned Unit Developments
Coverages:
  • Employee Theft (Up to $10M)
  • Computer & Funds Transfer Fraud
  • Theft, Disappearance, & Destruction
  • Forgery & Alteration
  • Money Orders & Counterfeit Currency
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, WA

Homeowners Association – No Payroll – AZ (2024)

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – AZ (2025)

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – CA (2024)

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – CA (2025)

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – CO

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – ID

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – NV

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – OR

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
Additional Coverages Offered:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • One Page No Payroll Application
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – Payroll

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
  • Outside CA: Contact underwriter
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Lessor's Risk

Target Clients:
  • Mixed use occupancies
  • No building age restrictions
  • New ventures and new purchases
  • No building height restrictions
  • Package or Mono-line General Liability
  • Umbrella limits up to $5,000,000
  • Preferred to non-standard risk
Coverages:
  • Property
  • General Liability
  • Umbrella
  • Workers’ Compensation
Requirements:
  • Acord application submission
  • Building breakdown by units, square footage & building values
  • Currently dated 4 year loss runs
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Umbrella/Excess Liability

Target Clients:
  • Small to large single-family home community associations and Commercial buildings owned by individual association members
  • Townhome associations responsible for non-residential components
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
  • Office to industrial park exposures
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA,TN, TX, UT, WA