Fort Collins HOA Insurance

Covers common areas, shared structures, and building exteriors of Fort Collins HOA communities — including clubhouses, pools, fitness centers, and common area landscaping. Wildfire and hail coverage are important for Fort Collins HOAs given Larimer County's fire history and severe weather patterns.

Protects Fort Collins HOA board members from personal liability for governance decisions — covering wrongful acts, errors, and omissions in Fort Collins community governance.

Covers bodily injury and property damage claims from Fort Collins HOA common areas — including slip-and-fall accidents, pool injuries, and other liability exposures in shared community spaces.

Protects Fort Collins HOA funds from theft, embezzlement, or fraudulent acts — essential for HOAs managing significant reserve funds and monthly assessment accounts.

Provides additional liability protection above primary limits — important for Fort Collins HOAs with significant common area amenities and high-traffic shared spaces.

Covers HOA employees — maintenance staff, groundskeepers, and other workers — for work-related injuries. Required by Colorado law for Fort Collins HOAs with employees.