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HOA for Apartment or Condo

HOA insurance must be customized to match the specific commercial property. The customized insurances will protect the property owners from the risks specific to the property. 

Types of insurances needed may include all or some of the following:

  • General Liability: General liability insurance covers property owners against many types of financial risks, such as injuries that occur on the property, property damage, advertising harm, court and legal fees, medical payments, and issues such as libel or slander.
  • Commercial Property: Protecting property assets from damage associated with fire, broken pipes, storms, theft, vandalism, explosions and other events is essential for residential HOA apartments, and condo owners.
  • Worker’s Compensation: Several types of employees are contracted to perform tasks on your property, and based on the number of employees, it may be required under your state law to carry workers’ compensation insurance.
  • Commercial Umbrella: Should a claim exceed the limits of your liability insurance, the commercial umbrella insurance comes into play, adding a critical layer of protection.
  • Cyber Liability: An HOA for apartments or condos keeps databases that contain personal information. Should the system be subjected to a cyber breach, the losses can be significant.
  • Directors And Officers Liability: The personal assets of your HOA’s directors and officers must be protected against the risk of lawsuits filed by employees, vendors, residents, tenants, or others.
  • Crime Insurance (or Embezzlement Insurance): Restoring losses from financial crimes can be challenging or impossible without crime insurance. 

Our agent can customize HOA insurance packages to match the needs of apartment or condo owners, adding coverages for assault and battery, bonds, glass insurance, flood insurance, legal defense insurance, equipment breakdown, earthquake insurance, and many other specific risks.

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