Community association excess liability · Yes · Hedge E&S
Hedge / Appetite / Community association excess liability
● Actively writing / Management

Community association excess liability.

$1M / $2M / $5M excess over CGL, Auto, EL, Garage Keepers, EBL, and D&O. Defense outside the limits with Crisis Response.

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

What we'd quote.

Standard limits on a clean community association excess liability submission. Excess towers structured on request.

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

Where this fits cleanly.

When the file matches this profile we quote without referral.

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

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 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

Adjacent 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?

Yes. Community association excess liability is in appetite. $1M / $2M / $5M excess over CGL, Auto, EL, Garage Keepers, EBL, and D&O. Defense outside the limits with Crisis Response. First response inside 30 minutes during business hours.

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. Pulling these together with the file gets you to a quote in hours.

What limits and lines does Hedge offer on community association excess liability?

Excess Liability to $1M / $2M / $5M; Crisis Response sub-limit to $300K. Excess towers are structured on request.

Does Hedge write HOA excess?

HOA excess is one of the ways brokers describe community association excess liability, and yes, we handle it under our Community association excess liability appetite. Same lines, same limits, same subjectivities as listed above.

· LAST REVIEWED   2026-05-29    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671