Glossary of Terms: general liability insurance

also known as Commercial General Liability (CGL), a type of insurance that protects an HOA from "general" claims involving bodily injuries and property damage

The association is required to maintain insurance that includes coverage for:

1. General liability of the association
2. Individual liablity of directors and officers (D&O insurance) of the association for negligent acts or ommissions in that capacity

The minimum directors and officers insurance required is:

1. At least $500,000 for developements with 100 or fewer units
2. At least $1 million for developments with more than 100 units

The minimum general liability insurance required to protect the individual owners through the association's coverage is:

1. At least $2 million for developements with 100 or fewer units
2. At least $3 million for developments with more than 100 units

CA Civ. Code § 5800

CA Civ. Code § 5805

Read our article Understanding Your HOA's Master Insurance Policy