🏙️ Master-Planned Communities

Master-Planned Community Insurance

Insurance for large master-planned communities with extensive amenities, multiple sub-associations, and complex infrastructure.

Fast quotes — often within 24 hours
🏆A-rated carriers only
📋Same-day certificates

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No obligation. Free consultation.

Unique Risks We Address

Every master-planned communities faces specific risks. We make sure you're covered.

Extensive amenity exposure
Sub-association coordination
Golf course/clubhouse liability
Trail system injuries
Lake/water feature accidents
Security patrol liability
Large event hosting
Infrastructure deterioration
Coverage Options

Recommended Coverage

Tailored insurance products for master-planned communities 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
☂️

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
⚙️

Workers' Compensation

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

  • Maintenance staff
  • Office personnel
  • Groundskeepers
  • Security guards

Serving All of Arizona

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

Frequently Asked

How do we coordinate insurance with sub-associations?
The master association typically carries umbrella/excess coverage while sub-associations maintain their own primary GL and property policies. We help coordinate all layers.
Does coverage extend to our golf course?
Golf course operations require specific endorsements or a separate policy. We can bundle this with your community association program for better rates.
What about our trails and open space?
GL covers injuries on trails, parks, and open space areas. Proper maintenance records and signage are essential risk management tools.
View All Community Association Insurance Services

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