Starfish Specialty's CAProtect D&O policy is designed to protect Community Association boards from lawsuits arising out of management decisions made as Directors & Officers of the Association.

Our CAProtect Excess, Directors & Officers and Crime products provide comprehensive coverage for Community Associations and the Directors and Officers of their boards. We offer this suite of products at competitive rates, placed with an A- XIV rated carrier, and delivered by best in class technology.

Why Write With Us?

  • $150K sublimit for defense of Wage and Hour, Workplace Violence and Immigration Claims included
  • Broad definition of Claim
  • Mediation retention reduction
  • Limits of $1,000,000 to $5,000,000 available
  • Defense Outside the Limits
  • Efficient and streamlined quote process
  • Instant online quote-to-bind capabilities for qualified accounts
  • Online premium payment capability
  • Insurance Carrier, Ascot Insurance Company, A (Excellent) XIV rated by A.M. Best
  • No Premium Volume Requirement

Coverages

  • Defense Outside the Limits
  • First Dollar defense built into the policy form
  • Choice of Counsel option
  • Broad Cyber coverage option, includes Data Breach, Network Security and Privacy claims
  • 80/20 softened Hammer Clause
  • Defense for Board, Committee and Architectural Review Board decisions
  • No Insured vs Insured exclusion
  • Automatic coverage for Property Manager
  • Full Prior Acts coverage
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Where do we write?

Our CAProtect products is available in many states and we continue to expand our geographic footprint. Please contact us to discuss current availability.

Who is the insurance for?
  • Condominiums (COAs)
  • Cooperatives (Coops)
  • Homeowners Associations (HOAs)
  • Planned Unit Developments (PUDs)
  • Timeshares
  • Commercial Associations
  • Mixed Commercial/Residential Associations
  • Master Associations
Who is the insurance not for?
  • Associations with over 1000 units
  • Associations with more than 10 employees
  • Associations with open D&O claims
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Starfish Specialty's CAProtect D&O policy is designed to protect Community Association boards from lawsuits arising out of management decisions made as Directors & Officers of the Association.

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