TruStage submitted a filing in Oregon to introduce a new commercial property program for condominium and homeowners associations.

The filing, submitted on June 12, 2026, has a requested effective date of August 1, 2026.

According to the filing, the program is intended to address “the property exposures associated with the ownership, operation, and maintenance of association-owned property and common areas within residential communities.”

The proposed coverage includes a range of endorsements tailored to community associations, including unit interior coverage options, maintenance fee and assessment coverage, sewer and drain backup coverage, equipment breakdown protection, and crime-related coverages. Gold and Platinum enhancement packages would offer additional benefits such as expanded ordinance or law coverage, lock replacement, accounts receivable protection, computer fraud coverage, and employee theft protection.

The filing also introduces community association-specific underwriting rules and a new Community Association Rating Factor (CARF) ranging from 0.90 to 1.10. According to the company, the factor is designed to account for risk characteristics unique to condominium and homeowners associations, including common-area exposures and governance structures.

CUMIS noted that it is referencing rates previously approved for Accelerant National Insurance Company because it does not yet have its own Oregon experience for this class of business.