What We Write Apartments, LROs, HOAs

CID has identified specific product lines that have been most successful for our brokers. These products represent the highest quote to submission and bind to quote ratios. You will find these products competitively priced and with broad coverage terms.

Don’t see what you are looking for? Please call 1-800-922-7283 or contact your underwriter for more information about additional classes of business.

Apartments

Target Clients:
  • Mixed use occupancies
  • No building age restrictions
  • New ventures and new purchases eligible
  • No building height restrictions
  • Package or mono-line general liability
  • Umbrella limits up to $25,000,000
  • Preferred to non-standard risk
Coverages:
  • Property
  • General Liability
  • Earthquake
  • Umbrella
  • Workers’ Compensation
Requirements:
  • Acord application submission
  • Building breakdown by units, square footage & building values
  • Currently dated 4 year loss runs
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Business Park Association

Target Clients:
  • Commercial buildings owned by individual association members
  • Office to industrial park exposures
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Community Associations & Homeowners Association – Residential

Target Clients:
  • Small to large single-family home community associations
  • Townhome associations responsible for non-residential components
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA,TN, TX, UT, WA

Community Association Package

Target Clients:
  • Small to large single-family home community associations
  • Townhome associations responsible for non-residential components
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA,TN, TX, UT, WA

Condominium Association – Commercial

Target Clients:
  • Mixed use occupancies
  • Office to Industrial Park Exposures
  • No building age restrictions
  • New ventures eligible
  • No building height restrictions
  • Package or mono-line general liability
  • No more than 2 claims in 3 years with no open claims
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Excess Liability up to $5 million
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • Building breakdown by units, square footage & building values
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Condominium Association – Residential

Target Clients:
  • Mixed use occupancies
  • No building age restrictions
  • New ventures eligible
  • No building height restrictions
  • Package or mono-line general liability
  • Preferred to non-standard risk
  • No more than 2 claims in 3 years with no open claims
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • Building breakdown by units, square footage & building values
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Condominium Mini Package

Target Clients:
  • Risks up to five units
  • Property values up to $1,500,000 ($1,000,000 coastal)
  • Package or mono-line general liability
  • Directors & Officers Liability up to $5,000,000
  • Excess/Umbrella up to $5,000,000
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Cyber Liability

Target Clients:
  • Small to large single-family home community associations and Commercial buildings owned by individual association members
  • Townhome associations responsible for non-residential components
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
  • Office to industrial park exposures
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Directors & Officers Liability

Target Clients:
  • Small to large single-family home community associations and Commercial buildings owned by individual association members
  • Townhome associations responsible for non-residential components
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
  • Office to industrial park exposures
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Family Dwellings 1-4 Units

Target Clients:
  • Residential buildings with 1-4 units
  • Dwellings owned by individuals or entities for rental investment purposes
  • New ventures and new purchases eligible
  • Locations that are leased on an annual or seasonal basis
  • Owner-occupied buildings as long as one or more units are tenant occupied
  • Package or mono-line general liability (Property coverage not available in CA)
  • Can be written as a single location or on a schedule
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility:AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Fidelity Community Association

Target Clients:
  • Business Park Condominium and/or PUD
  • Community Associations
  • Condominium Associations
  • Homeowners Associations
  • Mixed Use
  • Planned Unit Developments
Coverages:
  • Employee Theft (Up to $5M)
  • Computer & Funds Transfer Fraud
  • Theft, Disappearance, & Destruction
  • Forgery & Alteration
  • Money Orders & Counterfeit Currency
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, WA

Homeowners Association – No Payroll – AZ

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
  • Outside CA: Contact underwriter
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – CA

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
  • Outside CA: Contact underwriter
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – CO

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
  • Outside CA: Contact underwriter
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – ID

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
  • Outside CA: Contact underwriter
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – NV

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
  • Outside CA: Contact underwriter
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – No Payroll – OR

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
  • Outside CA: Contact underwriter
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Homeowners Association – Payroll

Target Clients:
  • Residential or commercial single family homes
  • Residential or commercial condominiums
  • Mixed use occupancies
  • Townhomes
  • Outside CA: Contact underwriter
Coverages:
  • Workers’ Compensation
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
Requirements:
  • Acord application submission
  • State Eligibility: AZ, CA, CO, ID, NV, OR

Lessor's Risk

Target Clients:
  • Mixed use occupancies
  • No building age restrictions
  • New ventures and new purchases
  • No building height restrictions
  • Package or Mono-line General Liability
  • Umbrella limits up to $5,000,000
  • Preferred to non-standard risk
Coverages:
  • Property
  • General Liability
  • Earthquake
  • Umbrella
  • Workers’ Compensation
Requirements:
  • Acord application submission
  • Building breakdown by units, square footage & building values
  • Currently dated 4 year loss runs
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Umbrella/Excess Liability

Target Clients:
  • Small to large single-family home community associations and Commercial buildings owned by individual association members
  • Townhome associations responsible for non-residential components
  • No developer controlled board of directors
  • No more than 2 claims in 3 years with no open claims
  • Package or mono-line general liability
  • Office to industrial park exposures
Coverages:
  • Property/General Liability Package
  • Directors & Officers Liability
  • Employment Practices Liability
  • Umbrella Liability
  • Cyber Liability
  • Fidelity
  • Workers’ Compensation – No-Payroll
  • Workers’ Compensation – Payroll
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA,TN, TX, UT, WA