Florida HOA Insurance Products
HOA Master Policy
Comprehensive property and liability coverage for common areas, buildings, pools, clubhouses, and all shared amenities.
Condo Association
Specialized master policies for townhomes and condominiums. Tailored protection for multi-unit residential communities and high-rise buildings.
Directors & Officers (D&O)
Essential lawsuit defense for board members and officers. Protects personal assets from claims of mismanagement or wrongful decisions.
Umbrella Liability
Additional coverage above your master policy limits. Critical protection against catastrophic claims and expensive lawsuits.
Crime Insurance & Fidelity Bond
Florida law requires associations to protect funds against employee theft, embezzlement, forgery, and wire fraud. We’ll help you choose between a traditional fidelity bond and broader commercial crime insurance.
Flood Insurance
NFIP and private flood coverage for Florida associations. Mandatory for coastal and low-lying communities — protects buildings and contents.