Business Details
44 Years
experience
Specialized Insurance for Community Associations
Since 1982, Affinity Insurance Services has established itself as a trusted partner for insurance brokers and community associations across the United States. Our business was built on the foundation of delivering tailored insurance solutions specifically designed for the unique needs of community associations and nonprofit organizations. With over four decades of specialized expertise, we have developed a reputation for combining comprehensive coverage options with streamlined processes that simplify risk management for our clients. Our team collaborates directly with leading insurers like CNA and Lloyd's of London to ensure access to the highest quality policies in the industry. We maintain authoritative partnerships through Aon Programs, providing our brokers with rapid turnaround times and 400+ custom insurance programs to meet diverse client requirements.Our commitment to trustworthiness is demonstrated through rigorous compliance with Federal Housing Authority regulations and continuous development of innovative coverage enhancements. With more than 5,000 insurance brokers representing 42,000 community association clients, we have maintained consistent operational excellence since our founding. Our deep understanding of community association risks allows us to deliver customized D&O policies that address specific exposures while maintaining competitive pricing structures. Through ongoing educational resources and risk control materials, we empower brokers to make informed decisions about property protection and liability management. Our dedication to continuous improvement ensures that our policies evolve alongside changing industry standards and client expectations.
Services
Property Insurance
Directors & Officers Liability
Crime & Fidelity Insurance
Property Managers Program
Nonprofit Insurance Solutions
Risk Control Resources
Community Association Managers E&O
Loss Run Requests
Claims Services
Risk Education Materials
Details
- Year established: 1982
Highlights and features
- We offer 40+ years of specialized experience in community association insurance
- Our policies are specifically tailored for HOA and nonprofit exposures
- We provide direct access to 400+ custom insurance programs through Aon
- Our team includes expert underwriters with deep community association knowledge
- We maintain partnerships with top-tier insurers like Lloyd's of London
Associations and certifications
- Aon Programs
- CNA
- Lloyd's of London
- AM Best A+ Rated
Services
Property Insurance
Our Property Insurance provides financial protection against damage to community association properties from fire, theft, or natural disasters. Customized to cover unique exposures with options up to $10M TIV, this coverage follows association governing documents. Backed by Lloyd's of London's A+ rated facility, it offers specialized protection for condo associations through a program combining two industry-recognized entities.
Directors & Officers Liability
This specialized D&O insurance covers community association board members against claims related to decision-making and governance. Underwritten by CNA, it addresses unique exposures including bylaw violations and fiduciary responsibilities. The policy has been specifically tailored to protect volunteer directors while encouraging proactive governance through mediation incentives.
Crime & Fidelity Insurance
Designed to protect against financial losses from employee dishonesty and theft, this coverage complements D&O policies. It meets FHA regulations and addresses specific risks faced by community associations including funds management and financial reporting. Available through multiple bindable options including state-specific programs for California, Florida, and New York.
Property Managers Program
This BOP-style policy protects property management offices with combined property, liability, and business income coverage. It includes optional add-ons like employment practices liability and hired/non-owned auto coverage. The package approach provides cost-effective protection for managers facing litigation from homeowners related to bylaw enforcement and operational decisions.
Nonprofit Insurance Solutions
Custom D&O policies for diverse nonprofit organizations including trade associations, museums, foundations, and community service groups. Endorsed by major organizations like United Way Worldwide, these programs address governance risks specific to nonprofit boards. Coverage extends to specialized operations like cultural institutions and animal welfare organizations.
Questions
What types of community associations do you insure?
We specialize in insurance for condominium associations, homeowners associations, and other community groups that manage shared properties and amenities.
Do you offer coverage outside the United States?
Our primary focus is the continental United States with specific program availability in select states as noted in policy details.
Can property managers get coverage through your programs?
Yes, we offer the Community Association Managers' Package Policy specifically designed for property management offices and their unique exposures.
What makes your D&O insurance different from competitors?
Our policies include mediation incentives, punitive damage coverage, and optional employment practices liability protection not commonly found in standard offerings.
How do I apply for coverage?
We offer online applications for most policies, or you can contact one of our specialists at 1-800-621-2324 for personalized assistance.
Are your policies available nationwide?
While we serve the continental United States, certain programs have state-specific availability as indicated in our policy documentation.
