Professional Liability / E&O · Calculator, Comparison & Guide

Real Estate & Condo Association D&O Insurance: Calculator, Comparison Table & Guide

Community associations, condo boards, and real estate partnerships.

Prong 1 · Interactive Calculator

Condo / HOA Association D&O Estimator

Community associations, condo boards, and real estate partnerships.

Results
LineEstimate
D&O base —
Employment practices add-on —
Litigation history factor —
Estimated association D&O —
Fidelity / crime (Texas §82.111 / FL 718.111)Florida condos must carry fidelity for the maximum funds held; Texas Ch. 82 strongly implies it. —
D&O + fidelity estimate —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

Association D&O Forms

Package-embedded vs. stand-alone vs. enhanced.

CriterionD&O Embedded in PackageStand-Alone Association D&OEnhanced Association D&O
Non-monetary claims (injunctive)ExcludedLimitedIncluded
Property manager as insuredExcludedOptionalIncluded
Discrimination / fair housingLimitedIncludedIncluded
Breach of contract defenseExcludedExcludedOptional
Defense outside limitsExcludedOptionalIncluded
Limit$1M sublimit$1M–$5M$1M–$10M
Best fit< 25 unitsMost associationsHigh-rise, litigious, coastal
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

Condo & HOA Board D&O: Why Volunteers Get Sued

Assessments, architectural denials, and fair housing — the claims that hit community boards, and how Texas Ch. 82 / Florida 718 shape your obligations.

The claims

Owners sue boards over special assessments, selective enforcement, denied architectural requests, and election disputes. Most are non-monetary — injunctive — and cheap forms don't cover them.

  • Non-monetary claim coverage is the #1 feature to demand
  • Fair housing / disability accommodation defense
  • Coverage for past, present, and future board members and committee volunteers

Statutory duties

Texas Property Code Ch. 82 (condos) and Ch. 209 (HOAs); Florida Ch. 718 / 720. Florida's post-Surfside reserve and inspection rules changed the liability picture.

  • Florida SIRS and milestone inspections create board exposure for deferral
  • Fidelity/crime coverage is required in Florida; expected in Texas
  • Reserve study adequacy is now a D&O underwriting question

Property manager coordination

The management company's E&O does not protect the board. The board's D&O should name the manager as an additional insured for acts on behalf of the association.

Frequently Asked Questions

Does the master policy include D&O?

Sometimes, as a small sublimit. Stand-alone D&O is recommended above 25 units.

Are volunteers personally liable?

Texas and Florida provide some statutory protection for volunteer directors, but not against injunctive suits or defense costs without insurance.

What about a developer-controlled board?

Transition claims (construction defect, underfunded reserves) are the largest association claims. Buy D&O before turnover and confirm the developer is not an insured.

Related: condo association D&O · HOA insurance · real estate D&O · community association

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The Smart Intake takes about two minutes. A licensed advisor reviews your real estate & condo association d&o exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.