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Condominium Associations
Comprehensive Protection for COA & HOA's
Condo association insurance, also known as a master policy, provides coverage for the common areas and shared elements of a condominium complex. It is purchased and maintained by the condominium association (COA) and funded through association dues.
Key Coverages (not limited to)::
- Property Coverage (Building & Common Areas)
- General Liability Insurance
- Hired & Non-Owned Auto
- Directors & Officers (D&O) Liability
- Fidelity/Crime Insurance
- Ordinance or Law Coverage
- Equipment Breakdown
- Workers Compensation
- Commercial Umbrella/Excess Policy
- Flood Insurance
Why It Matters:
- Protects shared community assets.
- Reduces financial risk for the association and its members.
- Helps ensure compliance with lender and legal requirements.
Homeowners Associations
Homeowners Association (HOA) insurance—also known as a master policy—provides protection for the common property, liability exposures, and governance operations of a residential community managed by an HOA (such as single-family home subdivisions, townhome developments, or planned communities).
Core Coverages in an HOA Master Policy:
Key Coverages (not limited to)::
- Property Coverage (Common Areas)
- General Liability Insurance
- Hired & Non-Owned Auto
- Directors & Officers (D&O) Liability
- Fidelity Bond / Crime Insurance
- Ordinance or Law Coverage
- Equipment Breakdown
- Workers’ Compensation
- Commercial Umbrella/Excess Liability
- Flood Insurance
Why HOA Insurance Is Important:
- Legally protects the HOA and its board
- Ensures common assets are covered against major losses
- Helps fulfill lender and legal requirements
