Nonprofit Community Associations Umbrella Liability

Ian H. Graham offers two umbrella liability policies designed for community associations. Each is underwritten by Fireman’s Fund Insurance Company.

The Commercial Umbrella offers up to $25M in excess liability protection and grants a premium credit when written over the IHG Nonprofit Community Association Directors’ & Officers’ Insurance policy. The Low-Limit Umbrella is for community associations with 300 or less units and provides up to $2M of excess liability.


Umbrella coverage is provided as membership to the HARP Inc. Risk Purchasing Group.

HARP INC. - Risk Purchasing Group (RPG)
HARP is a risk purchasing group formed pursuant to the Risk Retention Amendments of 1986 (15 U.S.C. 3910 et. Seq.) ("ACT") in order to permit a group of individuals who share common or similar liability exposure to join together to purchase liability insurance on a group basis. Each member shall receive its own limit of insurance, limits are not shared with other members. The RPG places insurance with financially stable insurance companies who have a commitment to the real estate and hospitality industries.