I have compiled the following checklist for comparison to your current policy. Feel free to contact us for a complete side by side comparison on your Association Insurance coverage. 1-888-439-0479
PROPERTY
- Special Form coverage
- Guaranteed Replacement Cost, Extended Replacement Cost or Replacement Cost
- Agreed Amount, Agreed value or Evidence of 100% Replacement Cost
- Building Blanket Coverage vs. Scheduled Building Limits
- Inflation Guard Endorsement
- Deductibles
- Wind/Hail Deductible Buy Back
- Wind Coverage
- Ordinance or Law Coverage – all 3 coverage parts
- Equipment Breakdown
- Water/Sewer Backup
- Mold Coverage
- Personal Property, Office, Clubhouse or Pool Contents, Computers
- Scheduled Equipment
- Flood Insurance
- Earthquake
- Loss of Income/Assessment coverage
- HOA Enhancement Property coverage
LIABILITY
- General Liability
- Additional Insured Endorsements for Unit Owners and Property Managers
- Owned Automobile Liability, Non-Owned and Hired Auto Liability
- Employment Practices Liability
- Directors and Officers Liability
- Special Event Insurance, Host Liquor Liability
- Umbrella Excess Liability
- Cyber Security Liability/ Data Breach Response coverage
- Terrorism coverage
- HOA Enhancement Liability coverage
FIDELITY BOND/ CRIME INSURANCE
- Employee Dishonesty or Theft
- Depositors Forgery or Alteration
- Computer Fraud
- Social Engineering Fraud
- Funds Transfer Fraud
- Money Orders and Counterfeit Money
- Define property management firm as an “employee”
WORKERS COMPENSATION
- Officers and Board Included
- Volunteers Included
EMPLOYEE BENEFIT PROGRAMS
- Health Insurance
- Disability Insurance
- Life Insurance
- Long Term Care
- Retirement Plan