Covers the common areas, building exterior, and shared structures of the condominium complex. The HOA master policy is the foundation of condo association insurance — it protects the association's property interests.

Covers bodily injury and property damage claims arising from common areas — slip and falls in hallways, pool areas, parking lots, and other shared spaces. General liability is required for all condo associations.

Covers claims against HOA board members for decisions made in their capacity as directors. D&O coverage protects board members from personal liability for HOA governance decisions.

Covers losses from employee or board member theft, embezzlement, or fraud. Condo associations handle significant amounts of owner funds — fidelity coverage is essential to protect association assets.

Provides additional liability protection above the primary policy limits. Condo associations can face significant liability claims from common area incidents — umbrella coverage provides critical additional protection.

Covers repair or replacement of shared mechanical systems — elevators, HVAC systems, pool equipment, and other common area equipment. Equipment breakdown coverage prevents unexpected large repair costs.