The program brings pollution, technology, media and sexual misconduct coverage together with professional, management and general liability for associations and the managers who serve them.

OCTOBER 13, 2026 | Chicago, IL - RT Specialty ("RT"), the wholesale brokerage division of Ryan Specialty (NYSE: RYAN) today announced the launch of its Community Association Program, a new liability solution for homeowners' associations, condominium associations, property owners' associations, and the community and property management companies that serve them. The program is exclusively offered through the brokers of RT's professional and executive liability practice, RT ProExec.

Community associations have changed. Boards now run resident portals and online payments; communicate through newsletters, websites, and social media; oversee aging buildings and complex building systems; and employ staff and vendors with access to amenities and occupied units. Yet many of the coverage options available to associations were designed around traditional board liability and have not kept pace with these exposures. RT ProExec built the Community Association Program to address that evolving exposure.

"Association boards are no longer just managing properties and budgets. They're navigating an increasingly complex risk environment spanning fiduciary responsibilities, environmental exposures, abuse, and more. Recognizing these evolving exposures, we developed this program to equip our retail trading partners with a specialized solution to better serve and protect their association clients," said David Derigiotis, CEO of RT ProExec.

Built on RT ProExec's Expertise

RT ProExec, an industry leader in professional and executive brokerage services, provides retail agents with deep product knowledge, innovative placement methodologies, and a high level of service to help them retain clients, win new prospects, and grow their professional and executive liability business. The Community Association Program draws on that experience, from the exposures RT ProExec brokers see in the field to the coverage needs their retail clients have asked them to solve.

Coverage for the Exposures Associations Face Today

The Community Association Program offers limits up to $5,000,000, written stand-alone or packaged, and pairs core coverage for Directors & Officers, Employment Practices, Fiduciary and Crime with emerging association exposures, such as:

• Pollution: bodily injury, property damage, and cleanup costs arising from incidents such as sewage backups, fuel leaks, and fumes tied to the association's maintenance and services
• Technology and Data: Data & Network and Technology-Based Services Liability for resident portals, online payments, access-control systems, and website hosting, plus TCPA and FCRA coverage'
• Media and Advertising: defamation, invasion of privacy, and copyright claims arising from newsletters, websites, notices, and social media
• Sexual Misconduct: defense for board members and officers named in sexual misconduct allegations, including claims of negligent hiring or supervision
• Core Coverage in One Program: Professional Liability for the association and its property manager; Directors & Officers, Employment Practices, Fiduciary and Crime; and occurrence-based General Liability, with retentions starting at $0

Availability

The Community Association Program is available now in all 50 states exclusively through RT ProExec. Retail agents interested in the program should contact their RT ProExec broker or visit rtspecialty.com.

About RT Specialty

RT Specialty is a leading wholesale distributor of specialty insurance products and services and the wholesale broking specialty of Ryan Specialty. The firm's specialist brokers and underwriters handle an expansive mix of property, casualty, professional lines, transportation, personal lines and workers' compensation insurance products, on both an open market and delegated authority basis. RT Specialty's entrepreneurial spirit is combined with advanced risk modeling, market access, and claims advocacy to provide excellent solutions to its clients. Regardless of account size-big or small-RT Specialty is dedicated to providing lightning fast, expert advice, advocacy and execution on behalf of our retail broker clients. Learn more at rtspecialty.com.

Media Contact

Alice Phillips Topping
SVP, Chief Marketing & Communications Officer
Ryan Specialty
[email protected]
(312) 635-5976

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