Hedge / Appetite / Community association excess liability
● In current Hedge appetite / Management

Community association excess liability.

Community association excess liability is in Hedge's current published wholesale appetite for licensed retail insurance brokers. $1M / $2M / $5M excess over CGL, Auto, EL, Garage Keepers, EBL, and D&O. Defense outside the limits with Crisis Response. Published target coverage includes Excess Liability with a published target of $1M / $2M / $5M, and Crisis Response sub-limit with a published target of $300K. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   813990 · 813410 · 531312
Also known as   HOA excess, condo excess, community association umbrella
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Coverage

Published target coverage.

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

Excess Liability $1M / $2M / $5M Excess Liability wholesale → Crisis Response sub-limit $300K Crisis Response sub-limit wholesale →
Class details

Review coverage and submission requirements.

Choose a coverage guide for line-specific details or open the submission guide for the first-packet checklist.

$1M / $2M / $5M Umbrella and Excess for community association excess liability Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for community association excess liability
Open class checklist →
Sweet spot

Stronger starting profile.

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

01 Condos, co-ops, HOAs, PUDs, timeshares
02 Commercial and mixed-use associations
03 Master associations under 1,000 units
Submission

What we need for placement review.

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

  • 01Underlying limits and carriers (all lines)
  • 025-year loss runs for every underlying policy
  • 03Schedule of amenities (pool, gym, marina, dock)
  • 04Governing documents
  • 05Owned auto count
Related

Related classes.

Often relevant to a submission in this class.

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

Common questions.

Does Hedge write community association excess liability?

Community association excess liability is in Hedge's current published appetite. $1M / $2M / $5M excess over CGL, Auto, EL, Garage Keepers, EBL, and D&O. Defense outside the limits with Crisis Response. Hedge confirms current market fit and route after reviewing the account.

What does Hedge need to quote community association excess liability?

Underlying limits and carriers (all lines); 5-year loss runs for every underlying policy; Schedule of amenities (pool, gym, marina, dock); Governing documents; 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 excess liability?

Excess Liability target up to $1M / $2M / $5M; Crisis Response sub-limit target up to $300K. These are published targets, not promised terms. Available limits are confirmed after account and market review.

Does Hedge write HOA excess?

HOA excess is one way brokers describe community association excess liability. It maps to the same published Community association excess liability 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