Our programs are competitively priced, and niche focused to serve a specific market segment. The success of our organization is built on our industry-leading reputation. Our team consistently exhibits tremendous intellectual capital and underwriting insight, while also exceeding the expectations of our clients with our approach to customer service. We work exclusively with agents that specialize in our niche market segments.

Umbrella Coverage


HARP Two is designed for:

  • Condominiums – Residential / Commercial
  • Planned Unit Developments
  • Timeshares
  • Homeowners Associations
  • Buildings – Office / Mercantile
  • Shopping Centers

Community Associations Directors & Officers and Employment Practices Liability

In community associations nationwide, board members’ personal assets are at risk for decisions they make while administering by-laws. Securing insurance coverage for these boards is tough in today’s market, as losses become more frequent and insurance premiums rise. It’s more important than ever to offer the best insurance solution to your clients – and that’s where HARP comes in. Our program offers competitive pricing and broad coverage for most types of community associations, including:

  • Defense Outside the Limit
  • Defense Costs Coverage for Breach of Contract Claims
  • Coverage for Non-Monetary Claims
  • Automatic Coverage for the Property Management Company

Employment Practices Liability (Hospitality)

Employee-related lawsuits have reached record numbers. Our Employment Practices Liability Advantage is specifically designed to provide hospitality businesses like yours with the protection they need today.

Community Associations Workers Compensation

Not a Member?

If your agency isn’t yet registered, please fill out our brief online registration form.

Need to Talk?

One of our contacts will be glad to answer your questions.

Best In Class. Built To Last.

Trivedi Capacity Associates

Trivedi Capacity Associates is a specialty programs provider that focuses on commercial risks, particularly in the hotel and community association space. The management team provides specialized expertise, quick automation and ease of doing business to independent agents and brokers across the country. 

What is a Risk Purchasing Group?

A risk purchasing group (RPG) is a collection of unrelated but homogeneous risks that buy liability insurance as a collective. By banding together, the RPG is afforded the same economic buying power as individual large risks so that it can use economies of scale to buy insurance coverage with favorable terms.
Trivedi Capacity Associates

HARP is a risk purchasing group formed pursuant to the Risk Retention Act of 1986 (15 U.S.C. 3901 et. Seq.) ("ACT") in order to permit a group of individuals who share common or similar liability exposure to join together to purchase liability insurance on a group basis. Each member shall receive its own limit of insurance, limits are not shared with other members. The RPG places insurance with financially stable insurance companies who have a commitment to the real estate/hospitality industry.

HARP offers a full suite of employee benefits to match our employee’s unique individual circumstances and needs. We offer choice in our healthcare plans, along with access to the following: medical, dental, vision, HSA, 401K matching, pharmacy plans and more. We also provide access to wellness programs that support healthy lifestyles for our valued team members. From life and disability insurance to cancer services and commuter benefits, HARP is committed to supporting our employees on their journey to living their healthiest life.

This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

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