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Insurance for Community Associations

We provide leading Directors and Officers Liability insurance and creatively tailored solutions for community and homeowners associations.

Need more information about managing your business risks?

Since 2001, CNA has underwritten a not-for-profit Directors & Officers Liability and Crime program with exclusive managing general underwriting (MGU) partner Ian H. Graham Insurance, a subsidiary of Aon Affinity Insurance Services.


Our program is endorsed by the Community Associations Institute (CAI) and available to not-for-profit Ian H. Graham community associations, including homeowners associations, condominiums, townhomes, cooperatives, timeshares, master associations and commercial associations.


We take pride in our highly responsive customer service and broad coverage form, which includes property manager coverage, defense breach of contract, Network Risk and Privacy Event Expense coverage, and supplementary coverage like Mediation Credit and Public Relations Event Expense.

Accessing our Community Associations Program

We offer a mutually exclusive program that is marketed in 49 states, excluding Hawaii. Ian H. Graham acts as our managing general underwriter, accepting submissions from any licensed agent.

Our Capabilities

When it comes to our insurance for community associations and homeowner associations, we provide:


  • Dedicated Claims professionals for Not-For-Profit Community Association D&O
  • Filed and admitted in 49 states on Continental Casualty Company paper (not offered in Hawaii)
  • Automatic renewals available for over 90% of policies
  • Program appetite excludes for-profit or non-mandatory community associations and voluntary neighborhood clubs


Resources to Manage and Reduce Risk

Our Directors & Officers Liability and Crime program provides risk management services directly through CNA and IHG, as well as through the Community Association Institute. There is also a Directors & Officers claims helpline available to all policyholders.


CNA Community Association insureds also have access to Beyond HR, CNA’s free Employment Practices training tool that helps to to mitigate employment related claims. Beyond HR provides various training tools, checklists, and webinars for employers to use to mitigate discrimination, harassment, and wrongful termination claims.


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