D&O Insurance Requirement in Florida

Hi Jim,

While Florida law does not require board members or officers to be insured, it is best for every association to purchase and maintain a Directors & Officers (D&O) insurance policy. This insurance policy protects directors and officers of an HOA from liability. Individual associations may also have their own insurance requirements depending on their governing documents. As such, it is best to check your bylaws and CC&Rs to understand your insurance requirements.