Trusted HOA Risk Management & Community Association Insurance

Managing a community association means balancing the needs of residents, property and leadership — all while navigating complex risks that can impact safety, finances and long-term stability. BCH provides HOA risk management and community association insurance designed to help associations protect shared assets and create safer, more successful communities.

Our risk advisors work closely with boards, property managers and leadership teams to evaluate exposures across properties, operations and governance. From multi-property insurance programs and property management risk strategies to board liability risk management and vendor oversight, we’re dedicated to helping associations strengthen protections, reduce liability and safeguard both their people and their investment.

Addressing the Real Risks Today’s Residential Communities Face

Board Liability & Governance Exposure

Board members’ decisions can have financial and legal consequences. BCH helps associations strengthen board liability risk management, providing guidance that supports informed decision-making and helps protect leadership from unnecessary exposure.

Property Damage & Catastrophic Loss

From severe weather to unexpected system failures, property-related risks can impact entire communities at once. BCH supports catastrophic property exposure planning and insurance strategies to help associations recover quickly and protect shared assets.

Vendor & Contractor Risk

Third-party vendors and contractors introduce additional layers of risk. BCH helps associations implement vendor and contractor risk controls, including contract review and risk transfer strategies that reduce liability.

Compliance & Regulatory Challenges

Community associations must navigate evolving regulations and governance requirements. BCH provides support for regulatory and compliance risk, helping boards and managers stay aligned with industry standards and avoid costly missteps.

Rising Insurance Costs & Coverage Gaps

Market changes and increased claim severity can lead to higher premiums and unexpected gaps in coverage. We help associations develop insurance carrier strategies and tailored programs that align coverage with actual exposures.

HOA Risk Management Insights & Industry Statistics

Managing a residential community is a significant responsibility — one that requires thoughtful planning, strong oversight and the right approach to risk.

33.6 %

Approximately one-third of U.S. housing falls under a community association.

$ 3.4 B

Estimated value of time volunteered by homeowner boards and committee members.

30 %

Repair and rebuilding expenses have increased nearly 30% in the past five years.

Source: Foundation for Community Association Research and Insurance Information Institute

HOA Risk Management Consulting & Insurance Customized to Suit

Every community is different, and so are the risks that come with it. BCH offers a tailored approach to HOA risk management and commercial insurance, helping address specific exposures while supporting safer, more stable communities.