Condominium & HOA


Condo Association insurance is not easy to understand and you need to have a team of professionals to guide you and provide you the right coverages and competitive rates. Our Florida market is constantly changing and present many challenges for the property managers to properly informed. CWI Underwriters team can provide you with the knowledge and solutions to protect the association and unit owners.

Directors and Officers (D&O) Liability

  • D&OLiability limits available up to $5,000,000
  • Employment Practices Liability limits up to $5,000,000
  • Breach of contract coverage
  • Manager/management company automatically named as an additional insured
  • Employment practices liability included for no additional premium for 10 employees or less
  • Lifetime occurrence reporting provision for former directors and officers
  • Coverage for monetary & non-monetary claims
  • Unlimited defense costs outside policy limits
  • Third party discrimination and third party harassment coverage
  • Duty to defend with affirmative allocation wording
  • Defense and settlement provision (hammer clause) – 75/25 in favor of the insured
  • Punitive damages with most favorable venue wording included automatically (where insurable by law, not available in Alabama and West Virginia)

General Liability

  • Limits up to $1,000,000/$2,000,000


  • Special coverage form
  • Homeowners associations and townhouse associations up to 1,000 homes
  • $1,500,000 in non-coastal zones (available only for homeowners associations)
  • $500,000 in defined coastal zones (available only for homeowners associations)
  • Community association professional limit up to $5,000,000
  • Condo associations up to 5 units (no condos with pools)


Limits up to $5,000,000 over Directors and Officers Liability