🏘️ PUDs

Planned Unit Development Insurance

Insurance for planned unit developments. Protect your mixed-use community's common areas, amenities, infrastructure, and governance.

Fast quotes — often within 24 hours
🏆A-rated carriers only
📋Same-day certificates

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Unique Risks We Address

Every puds faces specific risks. We make sure you're covered.

Mixed-use liability exposure
Infrastructure failures
Shared road/utility incidents
Commercial tenant operations
Developer transition disputes
Common area maintenance claims
Stormwater management
Shared parking incidents
Coverage Options

Recommended Coverage

Tailored insurance products for puds operations.

🛡️

General Liability

Covers bodily injury and property damage claims arising from common area operations and events.

  • Slip & fall claims
  • Common area injuries
  • Visitor accidents
  • Pool/amenity incidents
👔

Directors & Officers (D&O)

Protects board members and officers from personal liability for association management decisions.

  • Board decision claims
  • Assessment disputes
  • Enforcement actions
  • Financial oversight
🏢

Property Coverage

Covers common area buildings, structures, amenities, and equipment against damage or loss.

  • Clubhouse coverage
  • Pool/spa structures
  • Playground equipment
  • Landscaping improvements
🔐

Crime / Fidelity

Protects against theft or embezzlement of association funds by board members, employees, or vendors.

  • Employee theft
  • Board member fraud
  • Vendor theft
  • Assessment misappropriation
⚙️

Workers' Compensation

Required coverage for association employees — maintenance staff, office workers, and property managers.

  • Maintenance staff
  • Office personnel
  • Groundskeepers
  • Security guards
☂️

Umbrella / Excess Liability

Additional liability limits above your GL and D&O policies for catastrophic claims.

  • Extended GL limits
  • Extended D&O limits
  • Catastrophic claims
  • Large settlement protection

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

How does PUD insurance differ from standard HOA?
PUDs often have more complex exposures — shared infrastructure, commercial components, and mixed-use areas. Coverage must address all property types.
Does insurance cover shared roads and utilities?
Yes. Property coverage can include privately maintained roads, street lights, drainage systems, and utility infrastructure owned by the PUD.
What about the developer transition period?
During developer control, insurance should be in place. D&O coverage is especially important during the transition to homeowner-controlled governance.
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