Think Safe Insurance is a Florida-licensed independent insurance agency with a dedicated practice focused on homeowners associations and condominium communities. Florida association insurance has become significantly more complicated over the past several years — between shifting carrier appetites, post-Surfside reserve scrutiny, increased litigation exposure, and tightening lender requirements, the coverage decisions boards face today carry real consequences for every unit owner in the community.

We built this practice specifically to serve Florida associations navigating that complexity. As an independent agency, we represent multiple carriers and work on behalf of the association — not the insurance company. That independence lets us place coverage based on what actually fits the community’s risk profile, not what a single carrier is willing to write.

What We Do

Think Safe Insurance handles the full scope of association insurance needs for Florida HOAs and condominium associations, including:

• HOA Master Property Insurance — building coverage, common area property, and liability for the association
• Directors & Officers (D&O) Liability Insurance — protection for board members against governance disputes, enforcement claims, and fiduciary allegations
• Crime Insurance & Fidelity Bonds — statutory compliance coverage protecting association funds from theft, embezzlement, and financial fraud
• Umbrella & Excess Liability — additional limits above primary policies for higher-exposure communities
• Workers’ Compensation — for associations with direct employees or on-site staff

Why Independent Representation Matters for Florida Associations

Florida’s association insurance market is not like personal lines. Carriers enter and exit. Underwriting appetites shift after hurricane seasons. Condominium towers face entirely different placement challenges than master-planned HOA communities. Getting the right coverage at the right limit from a carrier that will actually pay claims requires market access and product knowledge that a captive agent simply cannot offer.

As an independent agency, Think Safe Insurance works with multiple admitted and surplus lines carriers to find coverage that fits — not just coverage that’s available. For larger or more complex accounts, we collaborate with experienced specialists in the community association insurance space to make sure every placement is handled properly.

Our Annual Review Process

Association insurance is not a set-it-and-forget-it purchase. Reserve balances change. Communities complete major projects. Boards turn over. Carrier terms shift at renewal. We conduct an annual coverage review for association clients that includes:

• Verifying current coverage limits against updated reserve balances and property values
• Confirming fidelity bond or crime insurance limits reflect peak funds in custody
• Reviewing D&O limits relative to community size, amenities, and enforcement history
• Checking lender compliance requirements for FHA and conventional financing eligibility
• Identifying gaps between what the master policy covers and what individual unit owners’ HO-6 policies should cover

Credentials & Licensing

Think Safe Insurance is licensed with the Florida Department of Financial Services. You can verify our credentials directly through the DFS license lookup system:

• Producer License (Greg): P036341
• Agency License: L109873
• BBB Rating: A+ — View on BBB.org
• Industry Membership: Community Associations Institute (CAI)

For full agency background, team information, and our main office contact details, visit ThinkSafeInsurance.com/about-us.

Work With Think Safe Insurance

Whether you are a board member reviewing your community’s current program, a property manager comparing options at renewal, or an association that has never had a dedicated insurance review, we are straightforward to work with and easy to reach.

• Request a Quote: Submit your association’s details through our online quote forms and we will follow up directly.
• Call Us: Reach Think Safe Insurance directly at 813-425-1626.

When you think insurance… Think Safe.

Disclaimer: This page is intended for general informational purposes only and does not constitute legal or insurance advice. Coverage availability, terms, and requirements vary by policy form, carrier, and individual circumstances. Florida association boards should consult with a licensed insurance advisor and qualified legal counsel regarding their specific needs.

Last Reviewed: May 2026