Neighborhood Association Insurance

Serving on a board with decision making powers can expose a board member to liability claims.

Directors and Officers Liability (D&O) insurance coverage protects board members from personal liability claims, arising from decisions made while acting in the capacity as a director and officer, alleged to be wrongful acts and/or may have caused adverse financial consequences.  

• This coverage may extend to defense costs arising out of criminal and regulatory investigations/trials.
• Intentional illegal acts, however, are typically not covered under D&O policies.

Each year, after your association holds its election, download the insurance application.Fill out the application and send it to the Office of Neighborhood Services Manager, within one month of your election. 

Please note:

• The application has many additional questions that likely won’t apply to your neighborhood association. Simply mark those questions “Not Applicable” if they do not apply.
• You may also be required to provide additional paperwork such as a bank or financial statement. City staff will be available to assist your neighborhood association as you work through the application process. 
• When the application is complete, the City can transmit it to the insurance carrier on behalf of the neighborhood association. 
• We will request the City be billed for the insurance premium and will pay it directly.

Examples of covered events relevant to neighborhood associations: fundraising events, National Night Out picnics, neighborhood barbecues, and information fairs.

Tenant User Liability Insurance Policy (TULIP) ensures you are protected from liability related to injuries and damage that may occur at your event or activity. Without tenant user liability insurance, you may be personally responsible for paying claims for bodily injury or property damage.

• TULIP policies typically offer $1 million general liability coverage for events. 
• If alcohol service is provided, an additional premium will be assessed. 
• Third party property damage coverage can usually be added for additional premium and possibly a deductible. 
• Generally, there are three basic classes of event hazards and the premiums will reflect the degree of risk. 

Events excluded from coverage include: block parties with over 5,000 attendees; non-charity rummage sales; fireworks and pyrotechnics; and haunted houses, to name a few.   

You should obtain a quote for your specific event and then determine how you wish to pay for it. You can get a free estimate using one of the free online estimator tools listed below. We have included three options to obtain a free quote and buy event insurance. You may also choose event coverage through your personal insurance agent.

To get a quote, visit online or call: 

City County Insurance Services
theeventhelper.com
1-855-493-8368

Gales Creek Insurance
eventinsurancenow.com
503-293-8325

K & K Insurance
kandkinsurance.com/sites/events
1-800-328-2317