Coverage
Types of HOA Insurance Coverages
CIXX provides coverage tailored to the needs of Home Owner Associations. See below for the best coverage.
Property Coverage
Protects common areas, buildings, and structures owned by the HOA against perils like fire, theft, vandalism, and natural disasters.
Liability Coverage
Covers legal expenses and damages if someone is injured or their property is damaged within the common areas, or if the HOA is found responsible for injuries or damages elsewhere.
Directors and Officers (D&O) Liability Coverage
Protects board members and officers from personal liability for decisions made on behalf of the HOA.
Umbrella Liability Coverage
Provides additional liability protection beyond the limits of the primary liability policy.
Workers' Compensation
Covers medical expenses and lost wages for employees who are injured while working for the HOA.
Fidelity or Employee Dishonesty Coverage
Protects the HOA against financial losses resulting from employee theft or fraud.
