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Home / Community Associations

Community
Associations

We offer insurance and services that allow you to focus on maintenance, enhancement strategies, and operational demands while we work to reduce your risk, administrative burden and insurance costs.

Community Association Insurance - ACO

Types of Communities We Insure

  • Large-Scale Master Associations

  • Condominiums

  • Cooperatives

  • Homeowners Associations

  • Community Management Firms

Coverage Highlights

  • Guaranteed Replacement Cost

  • Ordinance or Law

  • Sewer Backup & Drain

  • Wind Driven Rain

  • Underground Pipes & Drains

  • Flood

  • Earthquake

  • Environmental Liability

  • Workers' Compensation

  • Automobile Liability

  • Equipment Breakdown

  • Umbrella & Excess Liability

  • Directors & Officers Liability (D&O)

  • Fidelity / Crime

  • Hired & Non-Owned Auto Liability

  • Foundations

  • Cyber Liability

  • Much more...

Risk Management Services

  • Contract Reviews

  • Strategic Marketing

  • Claims Advocacy

  • COI Processing & Management

  • Targeted Loss Control

  • Attend Board Meetings

  • Bylaw & Statutory Compliance

  • Employee Safety & Training

  • Lunch & Learns

  • HR Assistance & Hotline

  • Water Consumption Analysis

  • Much More...

HOA Risk Management Center
Association Risk Management Center

Utilize our state-of-the-art, self-service cloud based delivery platform to obtain evidence of insurance (EOI) certificates, 24/7 on-demand.

Need a Certificate?
GET STARTED  HERE
 

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Claims Scenario: 
GUARANTEED REPLACEMENT

A garden-style condominium in Virginia suffered an electrical fire that impacted several of their buildings causing over $10,000,000 of damages. After the loss, they were also responsible for over $1,000,000 of unexpected expenses because of under insuring their building and coinsurance penalties. 

Highlighted Service:
CONTRACT REVIEWS

A condominium association signed a pool management contract without reviewing the indemnity and limitations of liability insurance provisions. The pool management company included favorable language such as "gross negligence" that dramatically limited their contractual exposure. Later that year a child...

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