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UMBRELLA
INSURANCE
HOA umbrella insurance adds another layer
of protection when losses exceed standard
policy limits. In other words, an umbrella
policy extends the coverage your HOA has
to protect against unforeseen large claims.
These HOA policies are typically affordable
and can help cover a broad range of losses.
What it covers:
• Excess coverage over your
liability policy
• Excess legal fees and settlements
• In some cases, excess coverage
over your D&O policy
Umbrella coverage can increase your
policy limits with added protection against
liability. This may be ideal for associations
with high-risk community amenities or
events hosted on HOA grounds. It may
also enhance the policy with coverage that
extends to your D&O insurance.
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