The prospect is seeking replacement HOA liability insurance coverage for a self-administered townhome association in Westminster, Colorado with a requested effective date of May 31, 2026. The primary objective is reducing annual insurance costs after the current provider increased pricing by approximately $300 per year (total of $1200). The HOA currently maintains active coverage and the prospect provided detailed existing policy information during intake, creating a well-qualified quoting opportunity.
The risk profile reflects a smaller self-managed HOA consisting of 36 residential units across multiple building configurations including duplexes and multi-unit townhome structures. Existing coverage currently includes general liability, hired/non-owned auto and directors & officers liability protection. The association appears organized and engaged with current coverage details readily available during intake.
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