Capacity without the scramble
Access to the carriers and layered structures that can place $500 million and more in total building coverage, with the marketing done early so renewal is never a fire drill.
$500M+in total building coverage available
Large-deductibleplans that cut premium and keep owners protected
Claims advocacyfrom first notice to final payment
Plain Englishrenewals your board and owners can read
Built for large communities
Resort-scale property needs resort-scale thinking.
Country clubs and master-planned communities are not just big condo associations. They carry hundreds of buildings, clubhouses, golf and grounds operations, pools, restaurants and a long list of vendors, each with its own exposure.
We structure programs for that complexity: the right carriers, the right layers, and total building limits of $500 million and higher when your community needs them. And if you are a 12-unit condo, you get the same attention to detail.
- Country clubs & golf communities — clubhouse, grounds and amenity exposures built in
- Condominiums & townhomes — master property, liability, D&O and crime
- Planned unit developments — common areas, private streets, gates and pools
What sets us apart
Four things your board should expect from its broker.
Claims management & advocacy
When a loss happens, we stay on it. We help coordinate the adjuster, review the scope, push for a fair settlement and keep your board and manager informed until the check clears.
Risk mitigation that pays
Water, fire, roofs, pools and vendors drive most losses. We review your loss history and your buildings, then help you fix what is likely to cost you before it does.
Smarter deductible strategy
A higher deductible can lower the master policy premium dramatically. We design the plan so the deductible is funded and your owners are protected. See how below.
Large-deductible plans, done right
Let the owners’ HO6 policies help pay the master deductible.
A large deductible is one of the most effective ways to control association premiums. The risk is that a big loss leaves the association holding a bill it cannot pay. We line up your owners’ HO6 policies so that bill has somewhere to go.
- Step 1
A loss hits the master policy
The association’s master policy responds, subject to the deductible the board chose in exchange for a lower premium.
- Step 2
The deductible is assessed
As your governing documents allow, the association assesses the deductible to the owners affected by the loss.
- Step 3
The HO6 pays the assessment
Each owner’s HO6 loss assessment coverage responds to their share, so the owner is protected and the association collects.
Making it work
The plan only works when owners carry enough HO6 loss assessment coverage. We help you set a target limit that matches your deductible, update your insurance requirements and owner letters, and build the reminders into your renewal packet. Coverage depends on the policy forms, your CC&Rs and each owner’s policy, so we review the wording with you before the board decides.
Your community is a business, a neighborhood and a very large asset. We insure all three.
Claims management & advocacy
On your side, before and after the loss.
Most brokers disappear at claim time. We do the opposite. Your board should never have to learn the claims process in the middle of a loss, so we prepare you ahead of time and stand with you through it.
Renewals without the jargon
A packet your board and your owners can actually read.
Every association we renew gets the same clear package: what the master policy covers, what it costs against expiring, and what each owner still needs to insure on their own. Property managers find everything in one private place, our Client Portal.
Let’s review your current program.
Send us your expiring policies and loss runs. We will show you where your coverage, deductible and pricing stand, and where there is room to do better. No pressure, no jargon.