HOA Contract Insurance Requirements

Landing HOA contracts means bigger, recurring revenue. But HOAs have strict insurance requirements. Here's what you need.

Typical HOA Insurance Requirements

Most HOA and property management contracts require:

General Liability — $1M per occurrence / $2M aggregate

This is the industry standard. Some large HOAs require $2M/$4M.

The HOA listed as Additional Insured

Your COI must name the HOA (and often the property management company) as additional insured.

Workers' Compensation (if you have employees)

HOAs want to avoid liability if your worker gets hurt on their property.

Commercial Auto (sometimes)

Required if your vehicles will be on HOA property regularly.

30-day cancellation notice

The HOA wants to be notified if your policy lapses. Standard on most COIs.

1.Have your insurance ready before you bid. HOAs reject bids from uninsured landscapers immediately.
2.Include your COI with your proposal. It signals professionalism and saves back-and-forth.
3.Ask your broker to add the HOA as additional insured. We handle this for free — it takes minutes.
4.Carry adequate limits. If the contract asks for $2M/$4M and you only have $1M/$2M, we can get you an umbrella policy.

We'll make sure your policy meets any HOA's requirements. Free quote, fast COIs.