HOA & Condo Insurance · General Liability Insurance
Someone is hurt on the property. This is the policy that answers.
General Liability protects the association when a guest, owner, vendor or visitor is injured, or their property is damaged, on common ground or during association activities. It is the base every other liability policy sits on.
$1,000,000per occurrence is the usual limit, with an umbrella above it
Pools, walkways, playgroundsare where most claims start
Certificatesfrom every contractor keep their accidents off your policy
What it does
What General Liability covers, and what it leaves to another policy.
✓Covered
- Bodily injury: a slip at the pool, a fall on an icy walkway, a playground injury
- Property damage caused by the association’s operations
- Personal injury claims such as libel or wrongful eviction
- Defense costs: the carrier investigates, hires the lawyer and pays up to the limit
→Handled by another policy
- Decisions the board makes (that is Directors & Officers)
- Injuries to people working for the association (Workers’ Compensation)
- Damage to the association’s own buildings (Property)
- Claims above the limit (Umbrella)
Try it
See it in numbers.
Which policy answers? Flip a card.
Real situations boards bring us. Tap one to see where the claim goes.
A guest slips on an icy walkway and breaks a wrist.Flip →
General Liability.Medical bills and the lawsuit, up to the limit. Above $1,000,000, the umbrella.← Back
An owner sues because the board denied their deck.Flip →
Directors & Officers.A decision, not an injury. General Liability does not respond.← Back
A landscaper’s mower throws a rock through a unit window.Flip →
The landscaper’s policy first.That is why the association collects a certificate of insurance before work starts. If they have none, your General Liability.← Back
Read the full article
Read it →Understanding HOA Insurance: General Liability vs. Directors & Officers Coverage
From our Coverage Explained series: what it covers, how the limit is set, and the questions to ask before your next renewal.
Questions boards ask
Answers from our FAQ.
What is the difference between General Liability and Directors & Officers (D&O) Liability?
General Liability covers physical accidents (e.g., slip and fall, property damage), while Directors & Officers (D&O) Liability covers decisions made by the board, protecting against lawsuits alleging a breach of fiduciary duty or failure to enforce bylaws.
What is Hired/Non-Owned Auto Liability?
This coverage protects the association if sued due to an auto accident involving hired or non-owned vehicles used for association business.
Do we have to pay for HOA mailers to be sent to homeowners?
No. When you start or renew your HOA policy with us, we will take care of mailing your homeowners an updated HO-6 information letter. The mailer will include instructions on how to obtain a Certificate of Insurance (COI), as well as coverage recommendations for each homeowner’s personal HO-6 policy. This is already included as part of our standard processing fee.
Where do I submit a request for a COI for my mortgage company?
All COIs are processed and sent directly from our partner, EOI Direct. You can call (877) 456-3643 to request a certificate by phone, or visit www.eoidirect.com to request one online. If you have a question or need additional information on how to obtain a COI, you can email our team at associations@myinsurancewarehouse.com.
What do we need to comply with current lending requirements?
Property (100% RC), Liability, D&O, and Fidelity/Crime coverage meeting FHA/Fannie Mae limits.
Want a second opinion on your policy?
Send us what you have. We review it, show you the gaps in plain English, and there is no obligation. Email associations@myinsurancewarehouse.com or start a quote.