Starfish Specialty's CAProtect Excess policy is designed to protect Community Associations in the event the association suffers a catastrophic loss that exceeds its primary policy limits.

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?

  • Coverage tailored specific to the needs of Community Associations
  • Follow Form to Underlying
  • Limit options up to $5Mil ($1M,$2M, & $5M options 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
  • No Restrictions on # of Pools

Coverages

  • Defense outside the limits
  • First dollar Crisis Response coverage
  • Follow form* to the following Underlying Coverages: Commercial General Liability (CGL), Auto Liability, Employers Liability, Garage Keepers Legal Liability (GKLL), Employee Benefits Liability (EBL), Directors &Officers (D&O)
  • Supplementary payments in addition to the limit
  • First Dollar Crisis Response Coverage sublimited at $300,000
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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 more than 3 Autos
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Starfish Specialty's CAProtect Excess policy is designed to protect Community Associations in the event the association suffers a catastrophic loss that exceeds its primary policy limits.

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