Third Party Discrimination Coverage
Wrongful Personal Injury definition includes non-EPL discrimination

Wrongful Acts
Broad definition of Wrongful Acts includingWrongful Employment Practices, Wrongful Personal Injury (including Third-Party discrimination) and Publisher’s Wrongful Act.

Breach of Contract
Full-Limit Defense for third party breach of contract claims.

Defense Cost 
In addition to the  limit of liability, coverage includes reasonable and necessary fees, costs and expenses, such as Investigation, Adjustment, Defense, and Appeal.

Expansive definition of Claim including (1) civil, criminal, or administrative adjudicatory proceeding; (2) a written demand for monetary damages or non-monetary relief; or (3) an Equal Employment Opportunity Commission proceeding or any state, local or territorial equivalent.

Loss means “Damages, Settlements and Defense Costs” and includes pre-and post-judgment interest. Loss also includes punitive, exemplary or multiple damages, if insurable, to the fullest extent permitted by any applicable law.

Spousal coverage expressly included.

Coverage for developers on the association board in their capacity as board members, with coverage for acts during board membership continuing after departure from the board.

Prior Acts
Full prior acts coverage,subject to policy terms and conditions.

Prior and Pending Litigation
Prior and Pending Litigation date considered with proof of expiring coverage.

Insured means the Named Entity (community association), qualified subsidiaries and Insured Persons. Insured Persons includes all past, present and future elected or appointed directors, trustees, officers, employees, committee members or volunteers of the community association, including their estates, heirs, legal representatives or assigns.

Property Manager (included for no additional premium)
 Property Manager coverage available for both (1) acts as a property manager for the community association and (2) where sued vicariously for the acts of the association board.

Legal Defense Provided 
Under the  policy’s duty to defend provision, an attorney experienced professional liability will represent you, with legal costs above the retention covered up to the limits of liability you select. All covered claims, whether warranted or groundless, will be defended.

Extended Reporting Period
Extended Reporting Period available for purchase at 100% of the annual premium for 12 months, and can be purchased up to 30 days post expiration (Subject to state requirements)

Profiting, fraud, or criminal acts of one Individual Insured will not be imputed to another to preclude coverage .Further, the failure by one Insured to disclose in the application facts and circumstances which may give rise to a future claim will not be imputed to another insured to preclude coverage.

Failure to Obtain or Maintain Insurance
Defense of Claims for failure to obtain or maintain adequate insurance.

Deductible Waived for Financial Insolvency
Final Adjudication Language with regard to fraudulent or criminal Wrongful Acts*