3
GENERAL LIABILITY INSURANCE
When accidents, injuries, or property damage happen in communal spaces, it can
be financially devastating for HOAs. General liability insurance is an essential type
of coverage that protects the association against third-party legal claims involving
negligence.
What it covers:
• Medical bills
• Personal property damage
• Pain and suffering
• Legal fees
Board members may decide to add to their general liability policy if the community
frequently hosts special events or has volunteers who help with community
activities. However, your governing documents should outline the minimum
coverage requirements for your HOA.
7
6
5
4
8
9
3
2
