HOA board & directors & officers (D&O) insurance

Insurance for HOA Board Members — D&O & Liability

Is your HOA board personally protected — or facing a D&O premium hike or non-renewal? Get a free, board-ready review from a licensed broker. We check your directors & officers (D&O) insurance, board of directors liability and fidelity bond, and compare options for HOA & condo association boards.

For HOA & condo association boards & property managers — not individual unit owners

Review your board's D&O coverage(208) 361-4295 or have us call you →

Get a callback

Two quick things and a licensed specialist calls you back — usually within a business hour.

Full name Phone Email (optional) Text me updates too (optional). By checking this box I agree to receive SMS text messages from HOA Contracts (Procure Media, LLC) at the number I provided. Msg & data rates may apply.

By submitting, you agree to be contacted about your request by ProcureMedia and its brands and The Partners Group by phone call and email, including via automated technology. Consent is not a condition of purchase. SMS: if you check the box, msg frequency varies, msg & data rates may apply, reply STOP to opt out. See our Privacy Policy and Terms.

No cost, no obligation Never sold or shared Licensed insurance broker

Directors & officers (D&O) and liability insurance for your HOA board. Protecting board members personally, or shopping a fresh quote at renewal — a licensed broker reviews your board's exposure and brings clear options. We help with:

Directors & officers (D&O) insurance for the board
Insurance for individual HOA board members & volunteers
Fidelity bond & crime coverage for the association
Condo & HOA board of directors liability
Premium increases & carrier non-renewals

What We Review

HOA insurance reviews built to catch gaps before renewal.

We review HOA master insurance policies for pricing, replacement cost accuracy, liability exposure, deductible structures, and competitive market options before boards auto-renew another term.

🛡️

HOA Master Policies

Review of property, liability, umbrella, D&O, crime, and specialty coverages on your association's master program.

🏢

Coverage Limits

We evaluate current policy limits against real-world replacement and exposure risks for your community.

📋

Replacement Cost Analysis

Identify underinsured buildings and outdated valuations before a claim exposes the gap.

⚖️

Deductible Structures

Analyze wind, hail, wildfire, water, and percentage deductible exposure that can fall to owners or the association.

👥

Board Liability Protection

Review directors & officers protection and potential board exposure issues.

📈

Competitive Carrier Options

Compare available market options, pricing structures, and renewal strategy across carriers.

Who We Serve

Built for the boards and managers who run communities.

Every association is structured and insured differently. We review your program and point you toward the markets and strategy that fit.

✓

HOA & COA boardsBoard presidents, treasurers, and members responsible for the master policy.

✓

Property managersCommunity managers coordinating renewals across one or many associations.

✓

Condo & townhomeCondominium, townhome, and stacked-unit communities with shared structures.

✓

Master-plannedLarge master-planned and mixed-use communities with complex exposures.

How It Works

Three steps. About two weeks. Zero cost to your association.

You sit back. We coordinate everything and deliver a clean, board-ready insurance review.

📄

Share your current policy

A short call, then send your current binder, renewal notice, declaration pages, and premium history.

🔍

We benchmark the market

We compare your HOA insurance program against competitive carrier options, deductibles, and coverage structures.

✅

You get clear next steps

Your board receives a practical review showing savings opportunities, coverage gaps, and renewal concerns.

Common Questions

Board Liability FAQ

What is D&O coverage for an HOA?

Directors & officers coverage helps protect board members from personal liability for decisions and actions taken in their role for the association.

Why does it matter?

Board members are volunteers, but lawsuits over decisions, elections, or enforcement can name them personally. Adequate D&O limits and defense coverage matter.

Is the review free?

Yes — free, no obligation, and your information is never sold or shared.