Breach of Contract and Defense Outside the Limits
Defense for Breach of Contract and DOL are automatically included in all policies at no cost. Except in NJ and TX where they are available for 8% additional premium. Pending approval in CA, CT, FL, NY, and VA. Subject to policy terms and conditions.*

Wrongful Acts
Broad definition of Wrongful Acts including Wrongful Employment Practices, Wrongful Personal Injury (including discrimination) and Publisher's Liability.

Claim
Expansive definition of Claim including (1) civil, criminal, or administrative adjudicatory hearing; (2) a written demand for monetary damages or non-monetary relief; or (3) an Equal Employment Opportunity Commission proceeding or any state, local or territorial equivalent.

Loss
Loss means "damages, settlements and Defense Costs." Loss also includes punitive, exemplary or multiple damages, if insurable, to the fullest extent permitted by any applicable law.

Spouses
Spousal coverage expressly included.

Contracts
Defense of suits arising out of the rejection or approval of contracts.

Developers
Coverage for developers on the association board in their capacity as board members, with coverage for acts during board membership continuing after departure from the board.

Prior Acts
Full prior acts coverage, subject to policy terms and conditions.

Property Manager (included upon request)
Property Manager coverage available for both (1) acts as a property manager for the community association and (2) where sued vicariously for the acts of the association board.

Non-Profit Covered Associations
Condominiums, Property Owners Associations, Homeowners Associations, Commercial Associations, Timeshares, Master Associations, Cooperatives

Insured
Insured means the Named Entity (community association), qualified subsidiaries and Individual Insureds. Individual Insured includes all past, present and future elected or appointed directors, trustees, officers, employees, committee members or volunteers of the community association, including their estates, heirs, legal representatives or assigns.

Legal Defense Provided
Under the policy's duty to defend provision, an attorney experienced professional liability will represent you, with legal costs above the retention covered up to the limits of liability you select. All covered claims, whether warranted or groundless, will be defended.

Extended Reporting Period
Extended Reporting Period available for purchase at 75% of the annual premium for 12 months, and can be purchased up to 30 days post expiration.

Severability
Profiting, fraud, or criminal acts of one Individual Insured will not be imputed to another to preclude coverage. Further, the failure by one Insured to disclose in the application facts and circumstances which may give rise to a future claim will not be imputed to another insured to preclude coverage.

Cancellations
Insurer cannot cancel policy, except for failure to pay premium.

Failure to Obtain or Maintain Insurance
Defense of Claims for failure to obtain or maintain adequate insurance.

*Defense for Breach of Contract has a $100,000 sublimit. Additional $1 million in Defense Outside the Limits of liability.

Exceptional Service and Claims Handling

Exclusive National Program Administrator
IHG is the exclusive national program administrator.

Policy Issuance
IHG issues all policies and endorsements in house to ensure speed and accuracy.

Rapid Renewal Process
Renewals have never been easier with our simplified document process. It's an easy transition into the new IHG/CNA program.

Claims Service
CNA's ability to manage claims in cooperation with our clients results in the expeditious and satisfactory resolution of claims.

Risk Management
Risk Management Professionals regularly develop risk management materials for insureds and are available to provide insured with guidance in particular issues.

Policy Development
IHG and CNA are committed to continued policy development to respond to the needs and wants of the non-profit community association marketplace.

Continental Casualty Company, a CNA Member Company
Rated A (Excellent) XV by A.M. Best.

Endorsed by the Community Associations Institute

The information contained in this document is for general information only. It is intended to provide a general overview of the services and products offered. Only the policy can provide the actual terms, coverages, amounts, conditions and exclusions. All coverages are not available in all states. This document is not intended to be advertising or solicitation in states where the local regulations prohibit such usage.