Express Real Estate Umbrella

We Call it Sleep Insurance

• Limits from $1M to $70M
• Admitted, A.M. Best A rated carriers
• Directors & Officers Liability for not-for-profit community associations
• Competitive pricing and low minimum premiums
• No shared limits
• Automatic renewal process for most risks
• One-step, easy online quoting and policy issuance
• Superior level of claims service and support
• Directors & Officers Liability for not-for-profit community associations
• No Assault and Battery exclusion
• Crisis Response coverage
• Broad Named Insured endorsement
• No Sexual Abuse and Molestation exclusion
• Unintentional Errors or Omissions

• Condominium Associations (COAs)
• Homeowners Associations (HOAs)
• Planned Unit Developments (PUDs)
• Cooperatives (CO-OPs)
• Property Owners Associations (POAs)
• Commercial Condominiums
• Mixed-Use Condominiums
• Office Buildings
• Strip Shopping Malls
• Stand-alone Retail
• Currently unavailable in Georgia and New York

Contact

URL: https://distinguished.com/specialized-insurance-programs/commercial-real-estate-insurance/real-estate-umbrella-insurance-2/

Builders Risk

Fast, Flexible & All Online

It couldn't be easier to get your commercial and residential clients insured during construction. And you'll be able to easily transition your clients into their next policy when construction is done.

With flexible policy terms – 6 or 12 months – and the ability to extend, you'll get your clients covered with minimal effort and maximum protection.

The ease and flexibility you and your real estate clients need.

Key advantages:

• Competitive pricing and commission
• Low minimum premiums
• No volume commitments
• A.M. Best – A rated carrier
• Backed by a specialized Builder's Risk group, delivering the highest level of expertise and service
• One-step, easy online quoting and policy issuance
• A fast, cost-effective way to handle small accounts – rate and issue with two short screens of data entry
• Superior claims service

SUBJECT TO POLICY COVERAGE AND WORDING.

• Buildings or Structures in the Course of Construction
• Scaffolding, Fencing, and Temporary Structures
• Fraud and Deceit – up to $50,000
• Soft Costs – Actual Loss Sustained, not to exceed 10% of the project’s completed value
• Limited Fungus – arising out of a covered peril, up to $15,000
• General Liability limits up to $1M/$2M available, provided that the owner is not the contractor/GC, subject to program guidelines; General Liability is not available in DE, FL, HI, KY, and NY
• Additional coverages listed in the policy

SUPPLEMENTAL COVERAGE: 

• Expediting Expenses up to $10,000
• Expenses to Re-erect Scaffolding up to $15,000
• Ordinance or Law – arising out of a covered peril listed in the policy – see policy for coverage limit
• Personal Property – up to $10,000
• Rewards – up to $10,000
• Temporary Storage Location – up to $25,000 – with higher limits available 
• Sewer Backup – up to $10,000
• Transit – up to $15,000 – higher limits available
• Blueprints and Construction Documents – up to $20,000
• Trees, Shrubs, and Plants – located at the covered job site and being planted or installed as part of the construction project

Eligibility:

Contact

URL: https://distinguished.com/specialized-insurance-programs/commercial-real-estate-insurance/builders-risk-insurance/

Vacant Buildings

Easy and Flexible

Vacant Building Insurance protects your clients' assets for the interim period before a property is leased or sold.

You'll be able to offer clients a range of policy terms and transition coverage to another policy when the time comes. This is especially important for properties that undergo any type of construction, as you'll be able to switch between Builder's Risk and Vacant Building Insurance with ease.

The ease and flexibility you and your real estate clients need.

Key advantages:

• Special coverage form designed for residential and commercial properties during periods of vacancy
• Limits up to $5M
• Competitive pricing and commission
• A.M. Best – A rated carrier (non-admitted)
• Actual Cash Value and Replacement Cost coverage available
• Fast turnaround and electronic processing
• 3-, 6- and 12-month terms available
• No volume commitment
• Responsive claims service and expert claims management
• General Liability coverage available

Subject to policy coverage and wording.

• Direct Physical Loss of or damage to Covered Property, unless excluded or limited
• Debris Removal – subject to policy provisions
• Fire Department Service Charge – Up to $1,000
• Pollutant Clean-up and Removal – Up to $10,000
• Coverage for Loss to the Undamaged Portion of a Building – subject to policy provisions
• Limited Fungus, Wet Rot, Dry Rot, and Bacteria – Up to $15,000
• Water Damage, other liquids, powder or molten material damage – subject to policy provisions
• Glass – subject to policy provisions
• Theft and Vandalism – subject to policy provisions

Eligibility:

• Vacant, single-family dwellings and multi-family structures
• Vacant commercial structures including retail, office buildings, wholesale and light-service industries
• Less than 30% occupied (single-family homes need to be 100% vacant)
• Up to 10 residential units

Contact

URL: https://distinguished.com/specialized-insurance-programs/commercial-real-estate-insurance/vacant-building-insurance/

City Program (City Landlord, City Multi-family, City Condo)

For your City Housing Owners

Our City Multi-Family, City Landlord, and City Condo Insurance program addresses the needs of property owners with two to 100 units, including mixed-use, in designated cities. Easy, online submit-quote-bind makes it efficient and simple to get your clients covered.

Protecting your clients' personal assets.

Key advantages:

• Competitively priced package policy that includes coverage for Equipment Breakdown, Back-up of Sewer and Drains, & Ordinance or Law A, B & C
• Policy holders have access to vetted, qualified tradespeople via Sedgwick Repair Services
• Easy-to-complete application on our on-line portal
• Automatic renewal process
• Availability of Personal Lines forms for owner-occupied properties for contents coverage and additional liability coverage
• NEW! Now permitting pools (subject to safety requirements)
• Replacement Cost valuation
• Electronic policy delivery
• "All risk" policy form unless the loss or damage is excluded or limited by other provisions
• Ordinance or Law
• • Included loss to undamaged portion of building
  • Additional limits for demolition cost
  • Additional limits for increased cost of construction
• Replacement Cost with Agreed amount endorsement
• Back-up of Sewers and Drains included
• Minimum AOP deductible $1,000 with $2,500 water damage deductible; AOP deductible options up to $10,000
• Terrorism (TRIA) coverage included automatically
• Equipment Breakdown/building machinery, heating/cooling systems, miscellaneous electrical apparatus

Eligibility:

• Size: 2-100 units, sweet spot is 2-15 units, $1M-$3M properties, and can include ground floor mercantile
• Construction: joisted masonry or better; no age limit on building, subject to system upgrades
• Brick veneer in Denver, CO; Minneapolis and St. Paul, MN
• Frame in San Francisco, CA; Los Angeles, CA; Portland, OR; Seattle, WA; and Boston, MA (condos only)
• Classes: apartment buildings, condos, co-ops, brownstones, mixed use
• TIV up to $25M 

• East	Midwest	West
  Baltimore, MD	Chicago, IL	Denver, CO
  Boston, MA	Minneapolis, MN	Los Angeles, CA
  NJ Gold Coast*	St. Louis, MO	Portland, OR
  Philadelphia, PA	St. Paul, MN	San Francisco, CA
  Washington, DC	Kansas City, MO	Seattle, WA
  Pittsburgh, PA		San Diego, CA

  * Jersey City, Hoboken, Weehawken, West New York, Union City, North Bergen, Cliffside Part, Fort Lee, Bayonne and Edgewater

Contact

URL: https://distinguished.com/specialized-insurance-programs/commercial-real-estate-insurance/condo-insurance/

New York Brick & Brownstone Insurance Program

For New Yorkers

Our New York Brick & Brownstone Insurance program addresses the needs of property owners with two to 30 units, including mixed-use, in designated cities. Easy, online submit-quote-bind makes it efficient and simple to get your clients covered.

Owners of real estate in the urban environment have very specific needs. Make sure you provide your city dwelling clients the right protection and coverage.

The right coverage for your New York City clients.

Key advantages:

• A.M. Best A+ rated admitted carrier
• Competitive pricing
• Value-added risk management services
• Special Form – Cause of loss
• Agreed Amount available on Building Coverage
• Replacement Cost
• Equipment Breakdown, miscellaneous electrical apparatus included
• Terrorism included
• Ordinance or Law
  • Coverage A - Up to building limit, Coverage B and C each - 25% of building value or min $150k
• Deductible options from $1,000 to $10,000
• Business Income including rental value with extra expense
• Employee Theft
• Back up of Sewers and Drains up to policy limits

Eligibility:

• Risk territory: Manhattan, Brooklyn, Queens
• Size: 1 – 30 units
• Classes: condos, co-ops, brownstones, row housing and apartment buildings
• Construction: joisted masonry or better
• TIV to $6M for JMS (jointed masonry structures)
• Residential properties including mixed-use properties with at least 50% residential

Contact

URL: https://distinguished.com/specialized-insurance-programs/commercial-real-estate-insurance/brick-and-brownstone-insurance/

Community Association Umbrella Liability

Flexible Limit Options Already Built

Choose from our flexible excess limit options for your community association clients. Providing exceptional value, with A rated carriers.

You'll also appreciate our easy and efficient online submission via our Broker Portal.

Make it easy to get your clients protected.

Key advantages:

• Limits from $1M to $70M
• Admitted, A.M. Best A rated carriers
• Directors & Officers Liability for not-for-profit community associations
• Competitive pricing and low minimum premiums
• No shared limits
• Automatic renewal process for most risks
• One-step, easy online quoting and policy issuance
• Superior level of claims service and support
• Directors & Officers Liability for not-for-profit community associations
• No Assault and Battery exclusion
• Crisis Response coverage
• Broad Named Insured endorsement
• No Sexual Abuse and Molestation exclusion
• Unintentional Errors or Omissions

Eligibility:

• Condominium Associations (COAs)
• Homeowners Associations (HOAs)
• Planned Unit Developments (PUDs)
• Cooperatives (CO-OPs)
• Property Owners Associations (POAs)
• Commercial Condominiums
• Mixed-Use Condominiums
• Currently unavailable in Georgia and New York

Contact

URL: https://distinguished.com/specialized-insurance-programs/community-association-insurance/express-community-associations-umbrella-insurance/

Crime Coverage for Community Associations

Protect Your Clients Funds

Protect your association clients against financial crimes. In the event of fraud, forgery, or theft your Community Associations Crime Insurance ensures your association will be protected against financial loss.

With flexible limits that range from $10,000 and up to $5M, you'll be able to get the coverage that addresses your client's specific needs.

Easy and fast online Submit-Quote-Bind.

Key advantages:

• Available as Agreement 1 only (Employee Dishonesty) or Agreements 1-6+8
• A managing agent endorsement
• Financials are not necessary to bind
• One step, online quoting and policy issuance
• Limits start at $10,000 and can be increased up to $5M
• Various deductibles are available, including high-deductible options allowing our policy to sit above another

First-Party Coverage – Wrongful acts committed by board members, employees, volunteers, or property managers (subject to policy terms and conditions)

• Agreement 1 Employee Dishonesty

Third-Party Coverages – Wrongful acts committed by perpetrators not employed by or associated with the association (subject to policy terms and conditions)

• Agreement 2 - Forgery or alteration
• Agreement 3 - Inside the premises
• Agreement 4 - Outside the premises
• Agreement 5 - Computer fraud
• Agreement 6 - Money orders and counterfeit paper currency
• Agreement 8 - Funds transfer fraud

Eligibility:

• Condominium Associations (COAs)
• Homeowners Associations (HOAs)
• Planned Unit Developments (PUDs)
• Cooperatives (CO-OPs)
• Property Owners Associations (POAs)
• Commercial Condominiums
• Timeshares/Intervals
• Mixed-Use Condominiums

Contact

URL: https://distinguished.com/specialized-insurance-programs/community-association-insurance/community-association-crime-insurance/

D&O Liability for Community Associations

Easy, Flexible, and Comprehensive

This coverage is designed to protect not-for-profit community association board members from lawsuits that result from management-related actions or decisions made while they are serving.

Established in 2003, and one of our flagship products, Distinguished's Community Associations Directors and Officers Insurance is top-of-the-line and underwritten by a team renowned for their expertise and commitment to this line of business.

Key advantages:

• First-dollar defense
• Defense outside the limit of liability
• Defense for breach of third-party contract
• Broad definition of insured - includes those performing property management services
• One-step, easy online quoting and policy issuance application
• Financials not necessary to bind
• Low minimum premium
• Highly competitive D&O rates for qualified segments
• Legal Concierge Hotline provides insureds general advice from a nationally recognized and carrier-approved law firm
• Coverage limits of $1M to $5M (we offer increments of $1M)
• First-dollar defense
• Defense for breach of a third-party contract
• Defense for non-monetary damage allegations
• No individual insured vs. individual insured exclusion
• Punitive damages protection where permitted by law
• A duty to defend the association and its members
• A broad definition of claim 
• Cyber Liability for digital breaches of data, including credit monitoring for affected parties

BROADLY DEFINED EMPLOYMENT PRACTICES LIABILITY, WHICH INCLUDES AUTOMATIC COVERAGE FOR:

• Wrongful termination
• Violation of employment laws
• Discrimination
• Wrongful discipline
• Negligent evaluation
• Failure to provide adequate workplace policies or procedures
• Employment-related misrepresentation
• Sexual harassment
• Wrongful failure to employ or promote
• Wrongful deprivation of career opportunity
• Retaliation

Eligibility:

• Homeowners Associations (HOAs)
• Cooperatives (CO-OPs)
• Property Owners Associations (POAs)
• Commercial Condominiums
• Condominium Associations (COAs)
• Planned Unit Developments (PUDs)
• Timeshares/Intervals
• Mixed-use Condominiums

INSUREDS INCLUDE PAST, PRESENT OR FUTURE:

• Directors and officers
• Committee members
• Executives
• Employees of the association
• Property management professionals
• Spousal and estate
• Trustees
• Volunteers
• Builders and developers, as members of the board

Contact

URL: https://distinguished.com/specialized-insurance-programs/community-association-insurance/community-association-directors-insurance/

Express Hotel Umbrella

High Limits. Already Built.

This Hotel Umbrella coverage is the perfect fit for your well-maintained select-service and midscale hotel clients. No need to build the limits your clients need, with the Express Hotel Umbrella Insurance you've got limits up to $105M.

You'll also appreciate our easy and efficient online submissions via our Broker Portal. Rely on our industry expertise to grow your hotel business.

Key advantages:

• Broad coverage including General Liability, Liquor Liability and Auto Liability
• Specialized, dedicated hospitality claims management team
• Umbrella/Excess Liability with limits up to $105M
• Hospitality GL Program offers $1M/$2M Limits of Liability for GL & Liquor Liability
• Broad Form Named Insured coverage
• Crisis Response
• Professional Healthcare Services
• Fungi or Bacteria Limited Exclusion
• HNO/Owned Autos & Garagekeepers coverage
• Limits of Liability Apply on a Per Location Basis, No Cap
• Coverage includes Innkeepers (up to $1M limit of liability; sublimit on guests cash to $25,000)
• Catastrophic Management Coverage
• Umbrella limits up to $105M
• No exclusion for Legionella

Eligibility:

Limited-service hotels usually have low operating costs and receipts due to their lack of extras. Room rates are typically lower, because these hotels cater to budget-conscious travelers.

• Available in all 50 states
• Broad eligibility spectrum:
  • High rise buildings
  • Outside egress
  • All types of construction
  • Food and beverage exposure
  • Pools
  • Small fitness facilities
• Can follow most underlying carriers AM Best-rated A- VII or better
• Hotels include but are not limited to:
  • Hampton Inn
  • Hilton Garden Inn
  • Holiday Inn and Holiday Inn Express
  • Aloft
  • Four Points by Sheraton
  • Fairfield Inn
  • Days Inn
  • Quality Inn
  • La Quinta Inns and Suites
  • Clarion, Comfort and Sleep

Contact

URL: https://distinguished.com/specialized-insurance-programs/hotels-insurance-programs/express-hotel-umbrella-insurance/

Hotel Umbrella Insurance

High-Limit Protection

Designed for hotels, this Umbrella provides the level of protection that is a must for these types of properties.

Our expert underwriters will guide you and your clients, ensuring you're delivering world-class service and coverage.

Distinguished Umbrellas provide coverage to over 20% of the nation's hotel rooms. That's experience and stability you can rely on.

Value, expertise, and experience your clients can rely on.

Key advantages:

• Umbrella/Excess Liability with limits up to $175M
• Follow-form Legionella coverage for hotel locations
• Robust sleep-at-night high-limit coverage
• All hotel types are acceptable including Select-Service, Business Class/Midscale, Upscale, Full-Service, Boutique and Condo-tels
• Broad coverage with few restrictions or limitations
• Specialized underwriting team has well over 100 years’ experience in this niche

Eligibility:

• Luxury
• Full-Service
• Boutique and Condo-tels
• Select-Service
• Business Class
• Midscale

Contact

URL: https://distinguished.com/specialized-insurance-programs/hotels-insurance-programs/hotel-umbrella-insurance/

Hotel Liability Insurance

Designed to Protect Your Hotel Clients

We view our partnership with our brokers and hotels/resorts as more than providing insurance. The reality is, we’re in the business of keeping guests safe and helping hotels and resorts navigate a crisis when a loss occurs.

Our Hotel Liability Insurance Program offers General Liability and Umbrella insurance and covers almost one million hotel rooms nationwide – the longest-running program in the country.

Value, expertise, and experience your clients can rely on.

Key advantages:

• $1M/$2M limits for GL and Liquor Liability 
• Broad Form Named Insured coverage 
• Crisis Response 
• Professional Healthcare Services 
• Fungi or Bacteria limited exclusion 
• HNO/Owned Autos & Garagekeepers coverage 
• Limits of Liability apply on a per-location basis, no cap
• Includes Innkeepers (up to $1M limit of Liability; sublimit on guest’s cash to $25,000 
• Catastrophic Management coverage

Eligibility:

• Full-Service
• Luxury Hotels
• Resorts

Contact

URL: https://distinguished.com/specialized-insurance-programs/hotels-insurance-programs/hotel-liability-insurance/

Restaurant Umbrella Insurance

The Limits Your Clients Need

Umbrellas are for extra protection when the unforeseeable happens.

Our high excess limits provide outstanding value for insureds that require additional coverage. Designed by industry liability experts, your restaurant clients can rest assured they'll be covered when they need it most.

Your ONE-STOP-SHOP for all restaurant insurance.

Key Advantage:

• Limits from $5M to $150M to satisfy any restaurant
• Admitted, A.M. Best A- rated carriers
• Competitive pricing and low minimum premiums
• Responsive service and 24 hour direct-to-issue binding confirmation
• No shared limits
• No Self Insured Retention
• Per Location Aggregates (subject to underlying insurance)
• Follow Form Liquor Liability (subject to separate liquor limit and underwriting approval)

Eligibility:

• All restaurant classifications including fine, casual and fast casual dining
• Available in all 50 states

Contact

URL: https://distinguished.com/specialized-insurance-programs/restaurant-insurance-programs/restaurant-umbrella-insurance/

Restaurant Package

Serving All Restaurant Insurance Needs

The Distinguished Restaurant Package brings together all the coverages your clients need including Property, General Liability, Liquor Liability, EPLI, Cyber, and Workers' Compensation.

With over 30 years of experience, the ProHost underwriting team is known for its industry expertise and exemplary service. You'll be able to round out coverage with a high-limit umbrella, providing outstanding value and protection.

One-Stop-Shop for top-of-the-line restaurant coverage.

Key Advantages:

• ProHost exclusive program -- only available through Distinguished
• Hospitality Plus Endorsement -- specialized restaurant coverages included
• Coverage written on an admitted basis with an A+ XV rated carrier
• Employment Practices Liability and Cyber coverage available for most accounts
• Liquor Liability included in the package in most states
• New ventures eligible
• 30 years of restaurant underwriting expertise

Eligibility:

The Restaurant Package was designed for:

• Fine Dining
• Family/Casual with Full Table Service
• Fast Casual
• Wine Bars
• Off-premises Caterers

We will also consider:

• New Ventures with Experience
• Sushi & Raw Bars
• Hibachi-style Cooking Exposure
• Incidental Bakery, Market, Retail, or Entertainment Exposure
• Ghost Restaurants

Contact

URL: https://distinguished.com/specialized-insurance-programs/restaurant-insurance-programs/restaurant-package-insurance/

Cyber Insurance for Hotels and Restaurants Hotels

Best-In-Class Protection

As one of the most targeted industry by cyber hackers, Cyber Liability Insurance is no longer a 'nice to have' coverage for your hospitality clients, it's a necessity.

Protecting against financial and reputational loss, industry-leader Beazley also takes over the intensive notification and regulatory requirements. In our increasingly digital world, make sure your clients have the coverage they need for risks that they can't see.

Get your clients' networks covered.

Key Advantages

• Limits of $1M available with higher limits upon request 
• Retention as low as $5,000
• Coverage provided by Beazley, considered the industry leader in Cyber Liability coverage
• Competitive pricing with premiums as low as $387
• Easy application and quoting process
• Notification Expenses outside limits of liability
• Coverage includes first-party and third-party Cyber Liability
• Beazley’s Cyber Breach Response services included for all policy holders
• Notification Expense covered outside the limit of liability
• Business Income and Cyber Extortion coverage available
• e-Crime coverages included

Eligibility

• All Hotels, Resorts, Casinos
• All Restaurants
• All 50 states

Contact

URL: https://distinguished.com/specialized-insurance-programs/hotels-insurance-programs/hotel-cyber-insurance/

Workers' Comp

More Value From Workers' Comp

Get all the protection your clients need from a single source. Distinguished Programs now offers Real Estate Workers' Compensation Insurance, giving you the ability to serve your clients more completely with coverage benefits that go above and beyond.

Your clients will have access to HROnDemand, where they'll be able to get advice from certified HR professionals whenever they need it. That's an important benefit and savings for small businesses.

For all your clients with employees in eligible states, including:

• Restaurants
• Hotels
• Property Managers
• Contractors
• Retail
• Community Associations

Contact

URL: https://distinguished.com/specialized-insurance-programs/workers-compensation/

Resort Umbrella Insurance

High-Limit Protection

Designed for resorts, including those with a wide variety of amenities and activities, we're able to tailor coverage based on your clients' needs. 

Our expert underwriters will guide you and your clients throughout the entire process, ensuring you're delivering world-class service and coverage.

Value, expertise, and experience your clients can rely on.

Key Advantages:

• Ability to underwrite a wide variety of amenities and activities
• Broad coverage with few restrictions or limitations
• Robust high-limits allow you to sleep at night 
• Can schedule high-limit Marina Operators Legal and Protection & Indemnity underlying policies
• Coverage tailored to risk
• Umbrella limits up to $175M
• Broad follow-form coverage

The Distinguished Resort Umbrella serves:

• Resorts with:
  • Multiple Amenities
  • Marinas
  • Watercraft Activities
  • Waterslides
  • Golf Courses
  • Equestrian Exposures Considered

Contact

URL: https://distinguished.com/specialized-insurance-programs/hotels-insurance-programs/resort-insurance/

Casino Umbrella Insurance

High-Limit Protection

Designed for your casino and hotel-casino clients, you'll be able to provide the level of protection that is a must for these types of properties.

Our team of underwriters are experts in the industry and will be able to guide you and your clients throughout the entire process, ensuring you're delivering world-class service and coverage.

Some of the biggest names in gaming rely on our Casino Umbrella program.

Key Advantages:

• Some of the biggest names in gaming are part of our program portfolio
• Ability to cover entertainment venues where good security and controls are in place
• Hotel-casinos, stand-alone casinos, and card rooms accepted
• Robust sleep-at-night high-limit coverage
• Coverage tailored to risk
• Can include wide range of first and third-party exposures
• Limits up to $175M
• Broad coverage doesn't exclude Legionella 
• Does not automatically include Designated Premises
• Broad Pollution coverage

Eligibility:

• Luxury Properties
• Casino Hotels
• Stand-alone Casinos
• Card Rooms

Contact

URL: https://distinguished.com/specialized-insurance-programs/hotels-insurance-programs/casino-insurance/

City Club Umbrella Insurance

High-Limit Protection

Designed for membership clubs in the city such as university alumni clubs and others. 

Our team of underwriters are experts in the industry and will be able to guide you and your clients throughout the entire process, ensuring you're delivering world-class service and coverage.

For specialty coverages, rely on Distinguished. 

Value, expertise, and experience your clients can rely on.

Key Advantages:

• High-limits, up to $175M
• Broad coverage does not exclude Legionella
• No sublimits on Liquor Liability

Contact

URL: https://distinguished.com/specialized-insurance-programs/hotels-insurance-programs/club-insurance/

Community Association Package

All The Coverage Your Clients Need

Property and General Liability coverage designed by real estate insurance veterans.

We deliver a unique solution for your community association clients. Combine it with our D&O, Crime, Umbrella, and Workers' Comp and you’ll have a full coverage suite with one carrier.

Competitive and comprehensive with superior claims handling.

Key Advantages

• Broad building definition
• Broad definition of insured
• Many community structures automatically included
• Easier to submit – no more CCRs required for submission
• Valuation condition - Extended Replacement Cost equals 125% of Building Value
• Insuring agreement follows what is required by the association’s CC&Rs
• Defense for third-party breach of contract claims
• Additional Insured - by contract automatically included
• Additional Insured - Manager or Lessor of Premises automatically included
• Mental injury, mental anguish, humiliation or shock included under bodily injury
• Coverage for Employee Theft
• Loss of Maintenance Fees is Actual Loss Sustained
• Pollutant Clean Up $50,000
• Water Backup of Sewers or Drains $100,000
• Special Form
• Ordinance or Law coverage A at full limit, coverage B&C 25% of Building Limit/Maximum $1M
• Basic AOP deductible of $2,500 with additional options available

Eligible Property Types

• 500 units and below
• Condominium Associations (COAs)
• Homeowners Associations (HOAs)
• Cooperatives (CO-OPs)
• Planned Unit Developments (PUDs)

Eligible States 

This program is exclusive to select brokers in the following states. If you would like to be added to the limited distribution list please contact your sales representative.

Contact

URL: https://distinguished.com/specialized-insurance-programs/community-association-insurance/community-association-package-insurance/