> For the complete documentation index, see [llms.txt](https://underwriting.homium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://underwriting.homium.io/insurance/liability-and-fidelity-crime-insurance-requirements-for-properties-in-a-project/general-liability-insurance-requirements-for-properties-in-a-project/coverage-requirements.md).

# Coverage Requirements

When required, the HOA must maintain a general liability insurance policy for the entire project. The general liability insurance policy must include coverage for: 

* commercial spaces that are owned by the HOA even if they are leased to others, and 
* bodily injury and property damage that results from the operation, maintenance, or the use of the project's common elements, and any other areas that are under its supervision. 

The general liability insurance policy must include a separation of insureds or severability of interests provision in its terms. If the policy does not include separation of insureds or severability of interests in its terms, Homium requires a specific endorsement to preclude the insurer's denial of a unit owner's claim because of negligent acts of the HOA or of other unit owners.