Definition
Coverage that protects an HOA if someone is injured on common property or the association is blamed for damage.
General liability insurance protects the association against claims that it's responsible for bodily injury or property damage — for example, a guest who slips at the pool or is hurt in a common area. It's foundational coverage for any community with shared spaces.
The policy typically covers legal defense and settlements up to its limits. Boards should carry adequate limits for their community's risks and consider an umbrella policy for extra protection above the base coverage.