Insurance Links for HOA Clubhouses
Residents renting the clubhouse buy their own event coverage through one link, with the association named as additional insured on the certificate.
Set up my link →How insurance works at HOA clubhouses
A clubhouse rental looks harmless. A resident wants the room for a birthday, a graduation, or a baby shower, pays a small fee, and signs a one-page agreement. Then forty people and a bounce house show up.
If something goes wrong at that party, the claim does not stop at the resident. It reaches the association, the board, and the management company — and the association's own policy is now paying for an event it never priced.
Most governing documents already require renters to carry liability coverage. The practical problem is that a resident has no idea how to get a certificate, and the board member handling rentals has no appetite for explaining it. One link resolves both: the resident buys in minutes, and the certificate naming the association arrives on its own.
What you're actually exposed to
- A guest at a resident's party is injured in the clubhouse, the pool area, or the parking lot.
- An inflatable, a bounce house, or a rented game causes an injury at a children's party.
- Alcohol is served at a resident's event with nothing behind it but the association's policy.
- A resident's guests damage flooring, fixtures, or furnishings, and the deposit doesn't cover it.
There are two links — most places need both
A renter's policy covers their event. It does not cover the food vendor they hired or the band they booked. Those are separate businesses with separate exposure, so they need their own coverage — and you need to be named on that too.
Whole-space link
For the person or company renting your entire space for their own event. They buy a TULIP for the dates they have the place, and you're named as additional insured on it.
Weddings, receptions, reunions, birthday parties, clubhouse rentals, conferences, corporate offsites, fundraisers, memorials.
Vendor link
For each business working inside the event — they buy their own policy for their own booth or act, and your grounds are named on each of those policies.
Food vendors, entertainers, product and merchandise sellers, antique dealers, clothing sellers, crafters, service vendors.
You can set up one or both on the same form below — there's no extra cost either way, and the renters and vendors buy their own coverage.
How it works for your venue
Require proof of insurance without collecting it by hand. One set-up, then your renters buy their own coverage and the certificates land in your inbox — automatically.
You Sign Up
Complete a short one-time form to open your venue's account — free, no obligation.
We Create Your Link
We build a custom insurance link branded for your venue and email it to you.
You Share It
Add the link to your rental agreement, booking page, confirmation email, or website.
Renters Buy Coverage
Each renter buys an event liability policy through your link in minutes.
Certificates Auto-Issue
A certificate naming your venue as additional insured is emailed to the renter and to you.
Ready to set up your link?
Set-up takes about two minutes and costs you nothing — the renter or vendor pays for their own policy. We provision your custom link from there.
Free to set up · No contract · The renter or vendor pays for their own policy
Set up your link
Complete this one-time form and our team will provision your custom link. You'll receive it by email once your account is set up.
Frequently asked questions
Why should residents carry insurance for a clubhouse rental?
Because a resident's party is their event, not the association's. If a guest is injured, the association, the board, and the management company can all be named in the claim. A renter's own policy responds first and names the association as additional insured.
Doesn't our master policy already cover this?
Your master policy covers the association's operations. It isn't priced to absorb private parties thrown by individual owners, and claims from those parties can affect the association's loss history and renewal. Requiring a renter policy keeps that exposure where it belongs.
Is this hard for an older resident to use?
It's a short form and a card payment, on a phone or a computer. There's no account to create and nothing to install, and the certificate is emailed to both the resident and the association when it's done.
How does our association get named as additional insured?
Automatically. Your exact legal name and mailing address are built into your link, so each policy bought through it names our association as additional insured without anyone having to request an endorsement from an agent.
What does the link cost us?
Nothing. Set-up is free and the renter or vendor pays for their own policy.