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Protect Your HOA with Business Insurance

From HOA office worker or maintenance personnel injuries to the loss of private homeowner information, HOAs have to be prepared for the potential financial impact from a wide range of risks. At biBERK, we provide tailored HOA insurance coverage at savings of up to 20%, from homeowner association liability insurance to townhouse HOA insurance. Whether you need workers' compensation, general liability, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free HOA insurance quote. Plus, with biBERK, you can purchase a policy, manage it, and report claims online for ultimate convenience.

Who Needs HOA Insurance Coverage?

HOA insurance coverage is important for townhouse and homeowners associations. You need to protect staff with a workers’ comp policy. You also need coverage for things like resident or visitor slip-and-fall accidents in common areas. A business owners policy or BOP (also called property & liability insurance) can protect community buildings or structures against theft, vandalism, and natural disasters. We also offer directors and officers coverage as a general liability or BOP add-on for if the association is sued. If you live in a house or townhouse with an HOA and are involved in your association, contact us about HOA insurance coverage if you have questions.

Any HOA Needs Business Insurance, Including:

    • Apartment associations
    • Homeowners associations
    • Townhouse associations

What are the Different Types of Insurance for HOAs?

At biBERK, we offer six different types of HOA insurance. Depending on the location of your HOA and other factors, certain types might be better for you than others.

Workers' Compensation insurance

This insurance helps protect your association if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.    

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General Liability insurance

Also known as commercial liability insurance, a general liability policy is important. A homeowner association liability insurance policy covers damages and legal costs associated with injury claims to people you don't employ, damage to other people's property that was caused by your HOA employees, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your HOA general liability policy, including directors and officers coverage, cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP), combines general liability insurance with coverage for your HOA’s property. You'll get protection for the building you own and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your HOA back up and running after suffering property damage. You can also tailor your HOA BOP with add-ons including directors and officers coverage, cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Commercial Auto insurance

If your HOA owns or leases vehicles, this policy protects your organization. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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Cyber insurance

This coverage can be purchased as an add-on to HOA general liability insurance, a professional liability policy, or BOP. It helps cover costs related to system hacks or data security breaches in which sensitive data, like information on homeowners, has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Umbrella insurance

Every HOA liability insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: It can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. HOA liability suits can be very costly, so we highly recommend an umbrella policy to protect your organization.

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Why biBERK for HOA Insurance?

We’re the experts when it comes to small business.

Save time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Get a Quote Today

See why biBERK is easier and more convenient for HOA insurance coverage when you obtain your free quote online.