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A Custom Approach to Community Association Coverage


TCAP logo slug.jpgOur Tailored Community Association Plan (TCAP) offers agents a portfolio of essential insurance products specifically designed to address the unique exposures that condominium, townhome, single-family community associations and others face. We provide everything from enhanced liability and property insurance to full replacement cost coverage; broad crime coverage; equipment breakdown; directors and officers liability; and more. Utilizing Marshall & Swift, the gold standard of building cost data, we’ll determine replacement property values, helping to ensure that the right coverage amounts are secured for adequate protection in the event of a loss.

Besides brokering to our contract markets for multi-family HOA coverages, we have two in-house programs which we underwrite. Our Wind/Hail Deductible Buyback Program through Lloyd’s of London covers properties with TIVs typically under $100 million; we can refer larger risks as needed.  And our Single Family HOA program with Nationwide E&S provides coverage for property, general liability, hired and non-owned, crime and D&O all under one package policy.

Available across the continental U.S., TCAP programs help you properly protect the property and assets of community associations. Our solutions will help you cover associations against casualty losses, personal injury claims, and property damage claims; safeguard properties against catastrophic property losses; and secure coverage for directors, officers, trustees, employees, volunteers, and committee members, as well as the community associations themselves for management liability exposures.

  • Community Associations Institute (CAI) National Members
  • Each community inspected every three years
  • Credits available for property manager and companies with CAI-recognized professional designations
  • Underwritten with an AM Best “A+” (Excellent) rated carrier with a Financial Size Category rating of XV
  • Deductible options from $1,000 and greater
  • A Lloyd’s of London Coverholder
  • Property
  • General liability
  • Garagekeepers liability
  • Hired and non-owned auto
  • Crime
  • Equipment breakdown
  • Directors and officers
  • Employee benefits liability

▶ For coverage and limits information, please see Program Information below.

  • Workers’ compensation
  • Auto liability
  • Property managers E&O liability
  • Umbrella/excess liability
  • Single-family homeowners’ associations (HOAs)
  • Townhomes
  • Condominiums
  • PUDs
  • Co-ops
  • Commercial condos
  • Brownstones
  • Wind/Hail Deductible Buyback Program for all industry classes, not just habitational

Dallas: (800) 232-5830 | Fax: (866) 347-0744

Bill Rinker, TCAP Program Director
(469) 983-7116 | Send a Secure Email


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