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Directors & Officers

Our Community Association Directors and Officers with Employment Liability Insurance Products (D&O with EPLI) covers both the associations you insure and their community management company. The products are available for nonprofit habitational community associations including homeowners' associations (HOAs), townhomes, residential/commercial condominiums (condos), and residential/commercial planned unit developments (PUDs).

Download our D&O flyers

D&O Insurance offers coverage for:

Common Classes

  • Residential Condo & Townhome Associations 

  • Homeowner Associations

  • Retail Associations

  • Office/Industrial Parks

  • Property Owner Associations

  • Cooperatives 

  • Mobile Home Parks (Not in CA)

  • Planned Unit Developments

Restricted Classes (ineligible) 

  • Master Associations

  • Rental Associations

  • Condo Hotels

  • Timeshares

D&O Products details:

  • "Admitted" in all states offered

  • Limits up to $5 million

  • Defense Costs Coverage for Breach of Contract claims

  • Coverage for Non-monetary claims

  • Automatic Coverage for the Property Management Company

  • Available in all states (Excluding NV) 

  • AM Best A++ and AM Best A+ rated national carriers

  • Defense outside the limit

  • Full Prior Acts Coverage 

  • Developer can be on board (can't be in control)

  • Online Quote & Bind on

  • See product specific flyer for additional details


If your agency is already appointed, quote now on

Not appointed with CAIS yet? Click on the Join page.

If you’d like to learn more about insurance protection for your Community Association customers, please contact:


Gary Deck

VP of Sales and Distribution

M: 916.212.8310 (best choice)

T: 888.833.4158 Ext. 109

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