FAQs

Associations handle member funds and reserves. Crime and fidelity coverage may help protect those funds against theft or dishonesty.

Volunteer board members can face claims over governance decisions. D&O liability may help protect them and the association in those situations.

It depends on the cause. Sudden and accidental water damage is often covered, while gradual leaks and maintenance issues typically are not. We can walk through the distinctions. ...

Typically the buildings and common areas plus the association’s general liability. Whether it extends inside individual units depends on whether it is walls-in or bare-walls.

If you have employees such as on-site managers or maintenance workers, California generally requires it. We can help you coordinate it with your property program.

It may help replace rental income you lose while a covered loss keeps units unrentable during repairs. It is often one of the most important coverages for a building ...

Often yes. An apartment building, an HOA, and a leased retail space each carry different exposures, which is why the coverage areas are organized by property type. ...

Because housing tenants concentrates liability and property risk. Carriers look closely at building age, wiring, roof, and loss history, which is why an accurate picture of your property matters. ...

Typically no. In California these perils are usually excluded from standard property policies and addressed through separate coverage. We can review whether that fits your situation. ...

It can, depending on the policy and your contract. We recommend you review your rental agreements with us.