Condo Association Insurance Tailored for Your Community
Your condominium association’s standard policy may only protect shared spaces and that coverage alone often isn’t enough. Our Condo Association Insurance steps in to safeguard every common area, providing both property protection and liability coverage so your community can rest easy.
Your condo association’s master policy protects the building’s exterior and shared spaces—think roofs, hallways, and common amenities—while your own unit’s interior may fall outside its scope. Coverage terms are set by your association’s bylaws and shaped by state regulations, so the walls of your unit could be your responsibility to insure. Understanding what the master policy includes and how it differs from your personal condo-owner policy helps you avoid coverage gaps and unexpected out-of-pocket expenses.
- Structural Integrity & Common Assets: Rest easy knowing roofs, exterior walls, shared utilities, clubhouses, pools, and playgrounds are all included. Let our insurance shoulder the rebuilding or repair burden.
- Liability & Guest Safety: If someone gets hurt in common areas, legal or medical expenses can hit hard. Our policies include robust liability protection because safety should never be optional.
- Coverage for Leadership Decisions: Board members and officers have a tough job and exposure to lawsuits. Our Directors & Officers (D&O) add-on protects your leadership from claims tied to their roles.
- Income Disruption & Crisis Response: Unexpected events like fire or storm damage can halt dues or leadership operations. Our coverage can help compensate for lost income and extra recovery costs.
- Variable Coverage Limits: From modest-sized complexes to multi-million dollar properties, select what fits your community’s scale.
- Optional Enhancements: Consider adding flood, earthquake, crime, cyber protection, and more—so you’re not caught unguarded.
- Custom Fit Claims Process: We collaborate with your board and management team to ensure coverage aligns with bylaws, obligations, and financial aims.
- Strategic Consult & Review: We help you align policy structure with your association’s needs.
- Transparent Quote & Guidance: Clear options, simple breakdowns, and smart comparisons.
- Proactive Risk Planning: We equip you with loss-prevention advice and claim-ready support.
Ready to protect your shared investment with care, respect, and confidence?
Reach out for a personalized, no-obligation conversation about your community’s insurance strategy.