Community Association Products

  • Florida, Texas & Alabama Condominium Association Package - Residential
    • A full line of coverages for Residential Condominium Associations including Property, General Liability, Crime, Workers Compensation, D&O/ EPLI, Liquor Liability, and Small Limit Umbrella. Property coverage excluding wind. We also offer Ordinance or Law with Windstorm or Hail.
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  • Homeowner Association Common Area Package
    • Eligible classes include Homeowner Associations or other Not for profit Common Areas. Lines of coverage include Property, General Liability, Crime, Workers Compensation, D&O/ EPLI, Liquor Liability, and Umbrella. Property with Wind and Excluding Wind are offered.
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  • Ordinance or Law with Windstorm or Hail
    • We have created a program which will allow you to add this coverage to either the DIC Wrap or the Property X-Wind product. The Ordinance or Law coverage will contain its own broad-form cause of loss form (including wind) which will allow you to meet Fannie Mae's requirements.
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  • Condominium Association Common Area Amenity Package
    • Eligible classes include Condomium Associations Common Area Amenities such as club house, pool, gates, signs, and fences. Lines of coverage include Property, General Liability, Crime, Workers Compensation, D&O/ EPLI, Liquor Liability, and Umbrella. Property with Wind and Excluding Wind are offered.
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  • Condominium Association Package - Commercial or Office
    • A full line of coverages for commercial Condominium Associations occupied by offices, retail and other select occupancies. Lines offered include Property, General Liability, Crime, Workers Compensation, D&O/ EPLI, Liquor Liability, and Small Limit Umbrella. Property coverage excludes wind.
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  • Tennessee Condominium Association Package - Commercial or Office
    • A full line of coverages for commercial Condominium Associations occupied by offices, retail and other select occupancies. Lines offered include Property, General Liability, Crime, Workers Compensation, D&O/ EPLI, Liquor Liability, and Small Limit Umbrella. Property coverage excludes wind.
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  • Difference in Conditions Wrap
    • We provide the “Special Form“ only perils to supplement the basic perils coverage provided by the Citizens or other basic peril only property insurers. The intention is to insure perils such as water pipe breakage, theft, collapse or falling objects, and satisfy the mortgagee requirement of a Special Form policy. Eligible classes include condominium associations, homeowner associations and commercial risks. We also offer Ordinance or Law with Windstorm or Hail.
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  • Mold & Sewer Backup
    • Mono-line coverage for 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. Coverage is offered to condominium and homeowner associations. A major feature is the claims service automatically included which relieves the property manager of managing a complicated mold claim if they have not purchased this coverage.
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  • Golf Course Pollution
    • Our exclusive Risk Purchasing Group provides environmental impairment first and third party coverage for pollution conditions as well as legal defense expenses for golf and country clubs. This product is essential to provide coverage for pollution conditions including leaks from above ground or under ground storage tanks, pollutants normal to golf courses such as pesticides and herbicides, and much more. Another essential need for this product is to provide contamination protection for pools, spas, and fitness centers from bacteria and virus.
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  • Pool & Spa Contamination Coverage
    • Our exclusive Risk Purchasing Group provides environmental impairment first and third party coverage for pollution conditions as well as legal defense expenses for homeowner and condominium associations. One of the essential needs for this product is to provide contamination protection for spas and pools from bacteria and virus. Premiums average in the $750 to $1,000 range.
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  • Risk Purchasing Group Commercial Umbrella
    • We offer an RPG Commercial Umbrella for real estate classes including community associations, apartments, offices, retail Lessor, industrial or warehouse lessor risks. Up to $100 Million Dollar Limit Available .Coverage includes biological agents coverage for bacteria, mildew, mold , fungi, microorganisms , virus , spores, myotoxins and pathogens. Coverage is excess of a $1,000,000 deductible.
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  • Equipment Breakdown Program
    • A specially discounted program for electrical and mechanical equipment breakdown coverage for apartments ,homeowner associations and condominium associations. Other classes of boiler coverage are also available on a brokerage basis.
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  • Wind Deductible Buyback
    • We offer competitive deductible buybacks for various classes of business in coastal areas.
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  • Mono-line Directors & Officers/ EPLI
    • Our product has a separate and additional limit for employment practices liability, thus protecting the directors and officers limit. Fiduciary Liability starts at $100 and our “occurrence feature” of a lifetime occurrence reporting provision for former directors and officers further differentiates our product.
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  • Mono-Line Crime
    • Limits from $10,000 to $3,000,000 crime limits are available for a variety of crime coverage’s for almost all classes of business.
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  • Workers Compensation Minimum Premium Policy
    • 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.
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  • Workers Compensation with Payroll
    • In house authority program for community associations which as few as one employee for HOAs and condominium associations. Other classes are also considered.
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  • Excess Flood
    • We offer high limit excess flood coverage over NFIP for condominium associations as well as other commercial businesses desiring excess coverage.
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  • Property Managers Package
    • Our unique form is tailored to meet the professional liability needs of both commercial and residential property managers. We offer three distinct coverages, each with a separate limit of liability: errors and omissions, tenant discrimination and employment practices liability. Our product offers coverage for up to 100% ownership interest in personally owned property. Premises Preferred Package is also available.
  • Residential Condominium Unit Owners Investors Product
    • This product is designed for the investor who owns units within residential condominium associations for rental purposes. These units can be rented to others on an annual or seasonal basis or occupied by the insured, as long as it is not their primary residence. Our Basic Version offers General Liability and essential Property coverages such as Loss Assessment and Improvements and Betterments. Our Deluxe Version offers a broader range of property coverages to best suit the insured’s needs.
  • Private Primary High Limit Flood
    • We offer a private primary flood product with limits and coverage’s superior to the NFIP program for the NON residential structures of an HOA or condominium association.. Examples include replacement cost valuation, business income and up to $5 million limits.
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  • National Flood Insurance Program
    • We have multiple carriers available for Residential Condominium Association coverage for building and contents. Our staff can help guide you through the NFIP maze of classifications and guidelines for the inexperienced agent.
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