Our Brands
Insurance Built for
Condo Associations
Condo Risk Partners delivers specialized insurance programs for condominium associations — property, liability, D&O, and fidelity, properly structured for how associations actually operate.
Protecting the building, the board, and the community behind it.
Our Process
Analyze. Structure. Protect.
We evaluate your association's current program against market benchmarks to surface gaps in property valuation, liability limits, D&O structure, and fidelity exposure.
Our advisors review your association's complete insurance program — property valuation, liability limits, board member protection, and fidelity coverage — to ensure every policy is properly structured and coordinated.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- Full association program review and benchmarking
- Property valuation and form analysis
- D&O and fidelity gap assessment
- No obligation to proceed
Association Program Analysis
Program Comparison
Current Program
$271,200
Optimized Structure
$232,500
Your Association Program Proposal
Review your customized condominium association coverage recommendations
Property
Current Coverage
Replacement Cost
Annual Premium
$214,400
Proposed Coverage
Agreed Value + Ordinance
Annual Premium
$178,200
Why It Matters
A condominium association carries risk on behalf of hundreds of owners.
Board members make governance decisions that affect residents' largest personal asset — their home. A single coverage gap in property valuation, D&O, or fidelity can expose the association — and its board — to significant uninsured liability.
What We Cover
Every Layer of Association Protection
From the building envelope to the boardroom — every exposure a condominium association carries, properly addressed.
Property & Building Coverage
Condominium buildings require specialized property coverage that addresses shared structures, common areas, and the unique ownership structure of association-managed properties.
Coverage Includes
- Building and common area structures
- Agreed Value or Replacement Cost options
- Equipment in common areas
- Ordinance or Law for code upgrades
General Liability
Associations face liability exposure from common area incidents, slip-and-falls, maintenance failures, and events held on association property. Proper limits and coverage structure are essential.
Coverage Includes
- Bodily injury in common areas
- Property damage liability
- Personal and advertising injury
- Medical payments coverage
Directors & Officers Liability
Board members make decisions that affect hundreds of unit owners. D&O coverage protects individual board members from personal liability arising out of their decisions and governance actions.
Coverage Includes
- Board member personal liability
- Employment practices protection
- Fiduciary liability coverage
- Defense costs and settlements
Equipment Breakdown & Fidelity
Shared mechanical systems — elevators, boilers, HVAC, and pool equipment — are critical to association operations. Fidelity coverage protects against employee theft of association funds.
Coverage Includes
- Boiler and pressure vessel breakdown
- Elevator and mechanical systems
- Employee dishonesty and theft
- Computer and electronic data coverage
Who We Serve
Built for Every Type of Association
Whether a small mid-rise or a large master-planned community, we build programs around the specific exposures of each association.
High-Rise Condominiums
Multi-story towers with shared elevators, mechanical systems, and amenities require specialized coverage that addresses the complexity of vertical community living.
Mid-Rise & Garden Communities
Smaller associations often have fewer resources to manage insurance decisions. We provide the same quality of program structure regardless of association size.
Large Master Communities
Master associations and large planned communities with pools, clubhouses, and extensive common areas need comprehensive programs that address every shared asset.
Your association deserves coverage that protects the building, the board, and every owner behind it.
No obligation. Confidential review. Built around your association.