HOA Directors & Officers (D&O) Insurance
Protect your HOA with innovative and customized insurance strategies, so your community is prepared when you need it most. HOA Directors & Officers (D&O) Insurance is designed to help protect the association’s leadership—board members, officers, and in many cases committee members—when claims allege wrongful acts, errors, mismanagement, or decisions made while carrying out HOA duties.
Below are common D&O coverages and situations HOAs often plan for. If you need coverage not listed here, don’t hesitate to reach out—we can help you build a policy that fits your community.
Board Decision & Governance Claims
Even well-intentioned decisions can trigger disputes. D&O coverage can help when the HOA’s leadership is accused of mismanagement, failure to enforce rules consistently, or other governance-related issues tied to board decisions.
Breach of Duty / Wrongful Acts Allegations
D&O is built around “wrongful acts” allegations—claims that a board member or officer made an error, omission, or decision that caused financial harm. This can include claims related to meeting procedures, elections, budgeting, oversight, or policy enforcement.
Discrimination & Fair Housing-Related Claims
HOAs often deal with sensitive issues involving residents, tenants, and community rules. D&O coverage commonly helps respond to certain covered claims alleging discrimination, unequal enforcement, or other violations tied to governance decisions (coverage specifics depend on the policy).
Employment Practices Exposure (If the HOA Has Staff)
If your HOA employs staff (on-site managers, maintenance, office admins), D&O policies may be structured to address certain employment-related claims—or you may need a dedicated Employment Practices Liability (EPL) policy. We help you identify what applies based on how your HOA operates.
Financial Mismanagement & Funds-Related Disputes
Claims can arise from reserve planning, special assessments, vendor selection, contract disputes, or allegations of improper handling of association funds. D&O coverage can help with defense costs and covered claims tied to these governance and financial decisions.
Legal Defense Costs (Often the Biggest Risk)
Even when claims are unfounded, defense costs can be significant. One of the most valuable parts of D&O is help with legal defense—because attorney fees alone can pressure an HOA’s budget quickly.
Past, Present & Future Board Member Protection
Many D&O policies can be structured to protect current leaders and, in certain situations, past or future board members for actions taken while serving—helpful for communities that want to encourage volunteer leadership without exposing individuals to personal financial risk.
At StarNet Insurance Group, we help HOA boards and property managers build D&O coverage that supports strong leadership—so your association can make decisions, enforce rules, and plan for the future with confidence.