General Liability - Protecting Your Homeowners Association

General Liability claims in a Homeowners Association community are more typical than you may think. Florida HOAs General Liability needs can be complex, so we are here to answer any questions you may have.

There’s a wide range of covered losses that general liability insurance protects your Homeowners Association against. These losses include:

Slip and fall and other related medical injuries to a homeowner are typically about 80% of the liability claims we see.
HOA Bylaws stipulate many maintenance requirements of the Board and the Association. If any deferred maintenance leads to a loss, your General Liability may need to step in to protect the community.
A well covered policy will include Legal defense coverage with NO LIMIT. This is just the defense portion of the claim and not the actual claim settlement if there is one.
Here are a few benefits of having general liability insurance for your HOA:
Your Homeowners Association is protected.
  • The Legal Fees from claims and proceedings have the potential to decimate your associations financials. General liability protects you from that happening.
It’s a comfort for your residents.
  • Your residents will be covered for all common areas owned by the community. Without this, your residents would still be collectively liable.
You’re staying within the law.
  • Florida Statute requires your homeowners association to possess this invaluable coverage.

Questions about general liability insurance for an HOA? Ask an expert.

At Chapman Insurance Group, our agents can answer any questions you may have about general liability coverage for your HOA. Get in touch with one of them today.

General liability near you.

CIG provides general liability coverage to homeowners associations in Port Charlotte, Punta Gorda, Cape Coral, Fort Myers, Bonita Springs, and Naples.

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Chapman Insurance Group wants to make sure every aspect of your Homeowners Association is covered, and we can make that happen with general liability insurance. Contact one of our agents today for a free quote.