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Condominium Associations Insurance

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Home › Condominium Associations Insurance

Condominium Associations Insurance Secures Your Property Investment

Similar to other types of homes, condominiums face hazardous perils like fire, hail, wind, vandalism, and theft. Owners are also susceptible to certain liability risks related to managing parking lots, swimming pools, playground equipment, and saunas. Condo insurance is designed to protect against common risks and unexpected claims.

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Structure Coverage for Condominiums

Condominium associations’ insurance generally covers the structure of the building and any common areas. Standard condo insurance provides coverage for building property, personal property, personal liability, loss of use if the unit becomes uninhabitable, and loss assessment if the association shares the owner’s portion of any losses.

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Condominium Associations Insurance Coverage

Property Insurance for Condominiums

Property Insurance protects the common areas of your condominium against damage from risks like fire, vandalism, or natural disasters. This coverage ensures that essential structures like roofs, elevators, and walkways are protected, providing financial support for repairs or replacements.

General Liability Insurance for Condominiums

General Liability Insurance covers claims of bodily injury or property damage occurring in common areas. If someone is injured or their property is damaged due to conditions in shared spaces, this coverage helps pay for medical expenses and repair costs, protecting your association from significant financial liability.

Directors and Officers (D&O) Liability Insurance for Condominiums

Directors and Officers (D&O) Liability Insurance shields board members from claims of mismanagement or wrongful acts. This coverage is crucial for protecting your leadership team from legal expenses and claims resulting from their decisions or actions in managing the condominium association.

Umbrella Insurance for Condominiums

Umbrella Insurance provides an extra layer of protection by extending coverage limits beyond standard policies. This additional coverage is essential for securing against more significant claims and ensuring that your condominium association remains protected against unforeseen financial risks.

Fidelity Bond (Crime Insurance) for Condominiums

Fidelity Bond (Crime Insurance) covers losses from employee dishonesty, theft, or fraud affecting the association’s funds. This coverage is vital for protecting against internal financial mismanagement, ensuring that your association’s assets are secure from criminal activities.

Equipment Breakdown Insurance for Condominiums

Equipment Breakdown Insurance covers the repair or replacement costs of essential machinery like elevators and HVAC systems. If critical equipment fails or breaks down, this coverage helps manage the associated costs, minimizing disruptions and maintaining smooth operation of your condominium.

Business Interruption Insurance for Condominiums

Business Interruption Insurance compensates for lost income and additional expenses if your condominium association cannot operate due to a covered event. This coverage helps your association recover from disruptions, ensuring financial stability during unexpected incidents.

Flood Insurance for Condominiums

Flood Insurance provides coverage for damage caused by flooding, which is typically excluded from standard property policies. This insurance is crucial for protecting your condominium against the financial impact of flood damage and protecting common areas from severe water-related risks.

Cyber Liability Insurance for Condominiums

Cyber Liability Insurance protects against risks associated with data breaches and cyber-attacks. If your condominium association manages sensitive information online, this coverage helps address financial losses and legal costs resulting from data security incidents, ensuring your digital assets are protected.

Workers’ Compensation Insurance for Condominiums

Workers’ Compensation Insurance covers medical expenses and lost wages for employees injured while working on condominium property. This coverage ensures that your staff is protected, providing financial support for injuries and promoting a safe working environment within your association.

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Get a Quote for Condominiums Insurance

The shared ownership arrangement in a condo association is a common structure that allows unit owners to form a condominium owners’ association to oversee the management of the building. From small condos with just a few units to condos with hundreds of units, these buildings all require the right insurance coverage to remain safe against loss. Reach out to JMG Insurance Corp today to learn more about condominium associations insurance or to request a quote.

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JMG Insurance Corp has been serving the insurance needs of our clients in Connecticut, New York, New Jersey, Massachusetts, Rhode Island and Hawaii since 1916.

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JMG Insurance Corp 29 Haviland Street Norwalk, Connecticut 06854 1-844-304-7332 1-203-857-7848
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4.8
John M. Glover Insurance Agency
John M. Glover Insurance Agency
4.8
Tammy Weiner
Tammy Weiner
14:53 09 Aug 23
Amazing personalize service. They were able to consolidate all of my insurance needs and save me a lot of money, while also upgrading my coverage and making sure all of my needs were met even in potential unforeseen circumstances. Would highly recommend, and I have not been so pleased with an insurance agency in many many years.
Dani
Dani
14:24 06 Aug 23
I have held multiple insurance policies through the John Glover agency, for as long as I can remember. The company is wonderful! All of the staff members are kind, personable, compassionate, and speedily efficient! I highly recommend them!
Chris R.
Chris R.
11:34 25 May 23
I have been a client (auto, home, and umbrella) for several years. The entire team at the agency is excellent. Francesca is always prompt in getting back to me, and the claims group is great. I also purchased a life insurance policy through them as well.
William Schrade
William Schrade
18:25 26 May 23
I'm so pleased with the service at JMG Agency. They shopped and saved me money on my policy even when I didn't request it. I needed insurance in another state where they are not licensed to sell but they went the extra mile and found an agency to rewrite my policy saving me almost 50%. I have complete trust in my agent Francesca and her assistant Crystal. I highly recommend this agency.Bill Schrade
Melanie Craig
Melanie Craig
11:13 08 Aug 23
Our agent
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