Business insurance
Condo Association & HOA Insurance
Master property, D&O, crime and liability for Florida condominium associations and homeowners associations.
Why it's different
Coverage built for how condo associations & hoas actually work
Association boards make decisions with other people's money, under Florida statutes that have tightened since 2022. We help boards understand the master policy, protect directors personally and keep coverage in line with reserve and inspection requirements.
- Hurricane deductiblesMaster policies often carry large named-storm deductibles that become owner assessments. Boards need to understand and communicate them.
- Director liabilityBoard members can be sued over assessments, enforcement and repair decisions. D&O coverage protects them personally.
- Fidelity and crimeFlorida condominium law requires fidelity bonding for people who control or disburse association funds.
- Building safety rulesMilestone inspection and reserve study requirements for older, taller buildings affect underwriting. Carriers ask about them.
Coverage
What a typical program includes
Every business is different. We start here, then adjust to your contracts, locations and payroll.
Master property
Wind, fire and building coverage under the declaration
Directors & officers
Protection for volunteer board members
Crime / fidelity bond
For association funds
General liability
Common areas, pools and amenities
Flood
For buildings in flood zones
Umbrella & workers' comp
For larger associations and staff
FAQ
Condo Associations & HOAs insurance questions
What does a condo association's master policy cover?
Generally the building and common elements as originally installed. Under Florida law, items such as unit interior finishes, appliances and personal property are the unit owner's responsibility.
Do HOA board members need their own insurance?
The association should carry D&O coverage that protects directors and officers. It's one of the most important policies a board can buy.
Free, no-obligation review
Get a Condo Associations & HOAs insurance review
Send your current policies and any contract insurance requirements. We'll compare carriers and show you gaps before your next renewal.