Hedge/Submission requirements/Community association D&O
Class-specific first packet

Submission requirements for Community association D&O.

Direct answer. Start with a clear operations narrative, the requested coverage and effective date, currently valued loss runs, accurate schedules, and the 6 class-specific facts below. The current public class status is in current public appetite; Hedge still must confirm eligibility, route, and the exact market requirements.

Public class statusIn current public appetite
Target coverage guides3
Reviewed2026-08-24
Core packet

Build one internally consistent account.

  • Applicant information with the correct legal entities and a precise operations description
  • Requested lines, limits, effective date, and any contract or certificate requirements
  • Currently valued loss runs for the relevant entities, lines, and policy periods
  • Exposure schedules and supporting documents that reconcile to the application
  • Class-specific supplemental information and a direct explanation of difficult facts
Do not send from this checklist alone

Hedge must confirm the intended route and review the exact files. Do not send submission material to a competing wholesale intermediary or another producer.

Class facts

Answer these before market review.

  • Number of units and ownership mix
  • Employee count (must be under 10)
  • 5-year D&O claims history
  • Board minutes for past 12 months
  • Governing documents (CC&Rs, bylaws)
  • Any open or pending claims

Stronger profile indicators

  • Associations under 1,000 units
  • Fewer than 10 employees
  • No open D&O claims
  • Residential, commercial, or mixed-use
Coverage checklists

Prepare the facts for each requested line.

Only request coverage the insured actually needs. Open the line guide to see the class-specific published target and preparation questions.

Management Liability / $1M to $5M

Prepare for Management Liability

Ownership, board, entity, subsidiary, and capitalization information; Current financial statements and material transaction details; Employee counts, human-resources controls, and claims history

Open class coverage guide →
Cyber and Tech E&O / Optional (data breach, network security, privacy)

Prepare for Cyber Liability and Technology E&O

Services, products, revenue, customer, contract, and data profile; Security controls including multifactor authentication, backups, patching, and response planning; Prior incidents, claims, contractual limits, and indemnification terms

Open class coverage guide →
Employment Practices / $150K sublimit

Prepare for Employment Practices Liability

Employee counts by state and employment category; Handbook, complaint, training, hiring, discipline, and termination procedures; Prior claims, demand letters, agency matters, layoffs, and known circumstances

Open class coverage guide →
Hedge forms

Forms that may help organize this class.

The intended market may require different or additional applications. These public Hedge forms are preparation resources, not evidence of access or authority.

Professional and management

Hedge Management Liability D&O and EPL Supplemental

A fillable Hedge supplemental for directors and officers, employment practices, and related management liability coverage.

View form and fillable PDF →
Any risk

Hedge Loss and Claims Supplement

A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.

View form and fillable PDF →
Review and release

Keep preparation, routing, and authority separate.

  • Preparation: the packet is internally complete enough for review
  • Fit: the class, state, coverage, and account facts are within current appetite
  • Route: Hedge has confirmed the permitted submission channel
  • Quote: actual terms have been returned for this account
  • Bind: the authorized party and all subjectivities have been confirmed