Ian H. Graham Insurance (IHG), a subsidiary of Aon, has launched a Non-Admitted Community Association Directors and Officers (D&O) Liability Program, expanding coverage options for condominium, homeowners and cooperative associations.
The new program provides brokers with greater underwriting flexibility for community association risks that may fall outside traditional admitted insurance market requirements.
- Aon subsidiary Ian H. Graham Insurance has introduced a non-admitted D&O liability program for community associations requiring specialized underwriting.
- Coverage options include defense costs outside policy limits, first-dollar defense, employment practices liability, third-party discrimination and cyber-related exposures.
- The program offers customized coverage structures, pricing and deductibles through IHG’s nationwide broker network.
New D&O insurance program expands underwriting flexibility
The offering is designed for community associations facing complex liability exposures, including disputes involving board decisions, employment practices, contractual obligations and privacy risks.
Unlike traditional admitted-market products, the non-admitted program allows underwriters to consider more challenging risks through individually tailored policy terms, pricing and deductibles.
According to IHG, growing operational responsibilities, aging infrastructure and social inflation are increasing the potential for liability claims against community association directors and officers.
Tifinni Tegan, Senior Vice President and Business Leader at IHG, said the program aims to help brokers address these exposures through flexible underwriting and coverage specifically designed for community associations.
Coverage options for community association directors and officers
Subject to underwriting approval, the program offers several coverage enhancements:
- Defense Costs Outside the Limit
- First Dollar Defense
- Breach-of-Contract Defense Costs
- Third-Party Discrimination
- Employment Practices Liability
- Workplace Violence Act Expenses
- Network Risk and Privacy Coverage
- Broad Definitions of Insured and Claim
The program also provides brokers with access to a dedicated underwriting team specializing in community association risks.
This approach allows insurers to assess individual accounts and develop coverage terms reflecting their specific exposures.
IHG expands community association insurance portfolio
IHG has operated in the community association insurance market for more than 40 years, providing specialized products for condominium associations, homeowners associations and cooperative housing organizations.
The company serves more than 5,000 insurance brokers representing approximately 42,000 community association clients.
The new non-admitted D&O offering complements IHG’s existing insurance programs and provides an additional placement option for associations that may not qualify for standard admitted-market coverage. The program is available through IHG’s nationwide broker network.
