Hedge / Appetite / Community association crime
In current Hedge appetite / Management

Community association crime.

Community association crime is in Hedge's current published wholesale appetite for licensed retail insurance brokers. Employee theft, forgery, computer crime, and social engineering for community associations. $10K to $5M limits. Published target coverage includes Employee Theft with a published target of $10K to $5M, Employee Theft of Unit Owner Property with a published target of Included, and Forgery and Alteration with a published target of $10K to $5M. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   813990 · 813410 · 531312
Also known as   HOA crime, condo crime, association employee theft, association forgery, community association fidelity
Coverage

Published target coverage.

These are starting-point lines and limits for a community association crime submission. Hedge confirms current fit, route, and available terms after account review.

Employee Theft $10K to $5M Employee Theft wholesale → Employee Theft of Unit Owner Property Included Employee Theft of Unit Owner Property wholesale → Forgery and Alteration $10K to $5M Forgery and Alteration wholesale → Computer Crime and Funds Transfer Fraud $10K to $5M Computer Crime and Funds Transfer Fraud wholesale → Social Engineering $150K max sublimit Social Engineering wholesale →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

Submission preparation
What to submit for community association crime
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 HOAs, condos, co-ops, PUDs, commercial associations
02 Documented financial controls
03 Independent CPA-prepared financials
Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 01Bank reconciliation cadence
  • 02Dual-control banking policy
  • 03Property manager bond status
  • 04Prior crime losses (5-year)
  • 05Treasurer and bookkeeper change history
Related

Adjacent classes.

Often relevant to a submission in this class.

Management Community association D&O Management Community association excess liability Management Employment Practices Liability Management PEO & staffing firm EPLI
FAQ

Common questions.

Does Hedge write community association crime?

Community association crime is in Hedge's current published appetite. Employee theft, forgery, computer crime, and social engineering for community associations. $10K to $5M limits. Hedge confirms current market fit and route after reviewing the account.

What does Hedge need to quote community association crime?

Bank reconciliation cadence; Dual-control banking policy; Property manager bond status; Prior crime losses (5-year); plus 1 more standard item. These items support placement review, but an underwriter may request more.

What limits and lines does Hedge offer on community association crime?

Employee Theft target up to $10K to $5M; Employee Theft of Unit Owner Property target up to Included; Forgery and Alteration target up to $10K to $5M; Computer Crime and Funds Transfer Fraud target up to $10K to $5M; Social Engineering target up to $150K max sublimit. These are published targets, not promised terms. Available limits are confirmed after account and market review.

Does Hedge write HOA crime?

HOA crime is one way brokers describe community association crime. It maps to the same published Community association crime appetite, target lines, and submission guidance listed above. Current fit and route still require account review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671