If you want to protect your community from being exposed to risks and liabilities, you should consider getting homeowners association insurance services. Elite Management Services will provide HOA insurance services for your association’s essential matters.


Types of HOA Insurance Services

Part of an HOA board’s responsibilities is to ensure the association has the right insurance coverage for any kind of situation. Learning the ins and outs of insurance can feel overwhelming, though. To start, you must know the types of insurance policies to get and why they are important.

These are the types of HOA insurance services every community association must have:

Commercial General Liability

Most experts recommend community associations to get this type of insurance policy. Elite Management Services will protect your HOA from the most common claims. It covers expenses from bodily injuries, personal injuries, property damages, and advertising injuries.

Directors & Officers (D&O)

Directors and officers are vital to any association, but not all HOAs have sufficient D&O insurance. The D&O policy protects HOA and its board members, along with committee members, staff, volunteers, and board member spouses, from mismanagement claims. This policy also protects them from other lawsuits that were caused by actions made on behalf of the association. Coverage is provided for requests made against the association throughout the policy period.

Commercial Property Insurance

We know that associations commonly own commercial property. Like any valuable property, it is important to have it insured for its entire replacement cost. Elite Management Services also offers a separate, higher deductible for wind/hail. A wind/hail deductible buy-down may also be available depending on the property insurance you have.


We take away your worries regarding crimes and fidelity issues so you can rest easy. This insurance coverage protects the association against monetary theft within the HOA. This includes everyone from directors to volunteers.

Non-owned Auto

This type of HOA insurance policy shares similarities with auto insurance but with a few distinctions. A non-owned auto insurance service protects the HOA should anyone on official HOA business get into an auto accident. For example, if you have employees who drive to work, whether they own the car or not, and they get into an accident, the non-owned auto insurance will cover the damages.

Workers’ Compensation

We know that every HOA values its employees. So, Elite Management Services offers to pay workers’ compensation benefits to employees of uninsured vendors who get injured while on duty at the association.

Umbrella or Excess Liability

This policy provides an additional limit of insurance for liability claims. However, basic plans will not be enough. You need to have adequate property insurance to take advantage of this policy.


How Elite Management Can Help

Insurance is important to all community associations as they protect the association in case of damages or liability. Sadly, not all HOA boards know the proper way to handle insurance, especially when it comes to the fine print.

Elite Management Services provides full-service association management solutions designed to make the lives of HOA board members easier. As part of our services, we help associations navigate and manage the complexities of insurance. We also have access to the best insurance providers in the business through our growing network. Here at Elite, we offer fast and reliable service that your association can trust.

If you don’t want to stress yourself from possible liabilities, give us a call at (855) 238-8488 or contact us online to learn how we can help you get the most out of HOA insurance services.

So, what are you waiting for? Partner with Elite Management Services today!