Products and Services

Products and Services


"Exclusive" Florida, Alabama and Texas Community Association Programs

Single entry real-time web based indications and policy issuance in PDF link for a variety of products related to the residential condominium or HOA common area. Lines of coverage include property, general liability, crime, workers comp and directors & officer’s liability. Optional coverages include Greensurance™ and disappearing property deductibles. Property with wind offered for certain areas of each state for certain programs.

Florida and Alabama Condominium Association Difference in Conditions (DIC) Wrap Around Program

Providing inland marine “Special Form“ only perils to supplement the basic perils coverage provided by the Citizens Commercial Residential Condominium Association basic peril policy or another approved insurer using the same ISO basic perils form. The intention is to insure water pipe breakage, theft, etc, and satisfy the mortgagee requirement of a Special Form policy. Flood, sinkhole, earthquake and basic perils including wind are excluded. Real-time quote indications.

Florida and Alabama Standalone Mold and Sewer Backup Program

Limited Named Peril Mold or Sewer Coverage as a result of water damage caused by accidental discharge or leakage from a plumbing, heating, Air conditioning system, or appliance or as a result of water back up and sump discharge or overflow. Real-time quote indications.

Equipment Breakdown Programs with Discounted Rates for Community Associations & Apartments

Electrical and mechanical equipment breakdown coverage . Real-time quote indications offered in all Southeastern states.

Commercial Umbrella Program

Eligible classes include community associations, apartments, offices, retail Lessor, industrial or warehouse lessor risks. Up to $100 Million Dollar Limit Available, Multiple Carriers – Don’t be blocked again by the incumbent. Real-time quote indications.

Environmental Impairment Liability and Cleanup Program for Florida Community Associations

Our exclusive Risk Purchasing Group provides environmental impairment first and third party coverage for pollution conditions as well as legal defense expenses. Real-time quote indications.

Minimum Premium Workers Compensation

In house authority program for community associations which have no employees on an “if any” basis or the association with employee payroll. The option to include voluntary compensation coverage is offered. Eligible States: Florida, Georgia, Alabama, South Carolina, and North Carolina.

Office Condominium Association Product

Property with wind package product available only in Florida

Florida Business Owners Package Policy

Hundreds of classes available including offices, retail, wholesale and service. All construction definitions are considered. Real-time quote indications.

Florida Exclusive Golf and Country Club Program

Lines offered include Property with Wind, General Liability, Liquor Liability, Garagekeepers, Crime, Professional Liability, and Inland Marine with enhancec coverage options tailored specifically for this class of business. Tees and grees with with is also offered as an option.

Wind, Earthquake and Flood Deductible Buybacks

We offer competitive deductible buybacks for various classes of business in coastal areas and construction in all states.

Property with Wind or Monoline Wind

Special form and wind only is now available depending on the construction and distance to the water. Both layered and TIV programs are avail in coastal and non coastal areas.

"Exclusive" Community Development Districts- Florida

We offer a package for Florida Special District Government entities. Lines offered are property with wind, General Liability and crime . On a brokerage basis we can provide public officials liability, environmental liability, auto , EPLI etc.