HARD-TO-PLACEHOA INSURANCE
DECLINED, NON-RENEWED, OR CANCELLED — THE ASSOCIATIONS OTHER BROKERAGES WALK AWAY FROM.
THE STANDARD MARKET HAS AN APPETITE — YOUR ASSOCIATION MAY FALL OUTSIDE IT.
Standard carriers write communities with clean claims history, well-maintained buildings, moderate geographic exposure, and conventional operations. When an association falls outside that box — adverse loss history, aging infrastructure, coastal windstorm exposure, high-litigation state, mixed-use with restaurants or bars, high-rise with limited egress, or a community in developer-to-board transition — the standard market declines, non-renews, or cancels.
That is where surplus lines and specialty carriers operate. These markets are built for non-standard risks. They underwrite the same coverage forms — master property, GL, D&O, fidelity, umbrella — but with the flexibility to price and structure for the risks admitted carriers decline. Kelly Insurance Group has placed programs for aging buildings, construction defect transitions, and adverse claims histories since 1881.
HARD-TO-PLACE HOA — ANSWERED.
WHAT MAKES AN ASSOCIATION HARD TO PLACE?
Adverse claims history, aging buildings, coastal exposure, high litigation, mixed-use operations, developer transitions, or any combination that falls outside standard carrier appetite.
CAN A HARD-TO-PLACE ASSOCIATION GET THE SAME COVERAGE?
Yes. Surplus lines carriers offer the same forms — property, GL, D&O, fidelity, umbrella. Premiums may be higher with larger deductibles or specific conditions.
WHAT ARE SURPLUS LINES AND E&S MARKETS?
Carriers licensed to write risks admitted carriers decline. More underwriting flexibility, customizable coverage for non-standard risks. Regulated differently but same financial protection.
DOES A NON-RENEWAL MEAN THE ASSOCIATION IS UNINSURABLE?
No. Non-renewal means the current carrier chose not to continue. Specialty markets are designed specifically for non-renewed and declined associations.
WHAT IF THE ASSOCIATION HAS SIGNIFICANT CLAIMS HISTORY?
Specialty carriers evaluate improvements, current conditions, and remediation alongside the claims record. Demonstrating causes have been addressed improves options.
HOW LONG DOES HARD-TO-PLACE COVERAGE TAKE?
Longer than standard — requires loss runs, building reports, reserve studies. Start 90 to 120 days before expiration for adequate time.
DECLINED OR NON-RENEWED? START HERE.
Kelly Insurance Group places the associations other brokerages walk away from. Surplus lines, specialty markets, and 143 years of placement experience. Since 1881.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.