while this may seem like a contractual obligation of the unit owner, does the unit owners have to comply? We (a large carrier) will not name additional insured 's just because the named insured asked us to. The carrier is not under any contractural obligation to do so.

I have an HOA whose covenants require the unit owners to have their property carrier name the HOA as an additional insured on the unit owner's policy. Has anyone heard of this before, and how can any carrier be required to do this if the named insured does not agree to it?