🏢 Condo Associations

Condominium Association Insurance

GL-focused insurance for condominium associations. Protect your common areas, residents, guests, and association board members.

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Unique Risks We Address

Every condo associations faces specific risks. We make sure you're covered.

Common area slip & falls
Elevator/stairway injuries
Parking garage incidents
Pool/hot tub liability
Building code violations
Water damage claims
Board decision lawsuits
Assessment disputes
Coverage Options

Recommended Coverage

Tailored insurance products for condo associations operations.

🛡️

General Liability

Covers bodily injury and property damage claims arising from common area operations and events.

  • Slip & fall claims
  • Common area injuries
  • Visitor accidents
  • Pool/amenity incidents
👔

Directors & Officers (D&O)

Protects board members and officers from personal liability for association management decisions.

  • Board decision claims
  • Assessment disputes
  • Enforcement actions
  • Financial oversight
🏢

Property Coverage

Covers common area buildings, structures, amenities, and equipment against damage or loss.

  • Clubhouse coverage
  • Pool/spa structures
  • Playground equipment
  • Landscaping improvements
🔐

Crime / Fidelity

Protects against theft or embezzlement of association funds by board members, employees, or vendors.

  • Employee theft
  • Board member fraud
  • Vendor theft
  • Assessment misappropriation
⚙️

Workers' Compensation

Required coverage for association employees — maintenance staff, office workers, and property managers.

  • Maintenance staff
  • Office personnel
  • Groundskeepers
  • Security guards
☂️

Umbrella / Excess Liability

Additional liability limits above your GL and D&O policies for catastrophic claims.

  • Extended GL limits
  • Extended D&O limits
  • Catastrophic claims
  • Large settlement protection

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

What is GL-only coverage for condos?
GL-only coverage protects the association for bodily injury and property damage in common areas. Individual unit owners maintain their own interior coverage (HO-6 policies).
Does the association need D&O?
Yes. Board members make financial and governance decisions that can be challenged. D&O protects their personal assets from lawsuits.
Who is responsible for building exterior coverage?
The association typically insures the building structure and common areas. Unit owners insure their interior improvements and personal property.
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